Restaurant insurance in Southampton

Southampton's restaurants, from the waterfront to the retail parks of a busy port city, often come with parking, a forecourt, a car park, a few bays out front. Once a restaurant provides parking, it takes on responsibility for what happens there.

Where the risks come from for Southampton restaurants

A restaurant's car park or forecourt is part of its premises, and a customer injured by a pothole, poor lighting or an obstruction, or whose vehicle is damaged there, can claim against the business. The area beyond the front door carries its own liability, often overlooked.

A Southampton example

A customer trips on a broken surface in a Southampton restaurant's car park at night and is injured, and a liability claim follows. Public liability cover, arranged to include the car park and forecourt, meets the claim, an area a dining-room-focused policy might overlook.

What restaurant insurance covers

Public liability should cover the whole premises a restaurant is responsible for, car park and forecourt included, not just the dining room. It sits with the products and employers' liability and the property covers.

Placing it in Southampton with Apex

We make sure the liability cover reaches every part of the premises, the car park among them. Apex arranges Southampton hospitality cover through one named broker. Regulated by the FCA; established 2009.

Related

• Public liability insurance Southampton
• Employers liability insurance Southampton
• Commercial vehicle insurance Southampton
• Business insurance Southampton