Do restaurants need product liability?

Yes — if a customer falls ill after eating, products liability responds. It sits alongside public liability in a combined restaurant policy.

Is my commercial kitchen covered for fire?

Kitchen fire is a leading hospitality claim; buildings, contents and business interruption respond, subject to suppression and maintenance conditions.

What about frozen and chilled stock?

Deterioration of stock cover pays for stock lost to freezer or refrigeration breakdown, which standard policies often exclude.

Do I need employers liability?

Yes — it is legally required for kitchen and front-of-house staff, including part-time and agency workers.

How is restaurant insurance priced?

On your cover levels, licensed activity, kitchen type, turnover and claims history — placed by a named broker who knows hospitality wordings.

Restaurant insurance · Stoke-on-Trent

Restaurant insurance in Stoke-on-Trent

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Stoke-on-Trent's restaurants and takeaways trade across the Potteries among a good deal of older and, in places, vacant property. For a restaurant, the derelict building next door can be as much of a risk as its own kitchen.

Where the risks come from for Stoke-on-Trent restaurants

A derelict or long-vacant property adjoining a restaurant is a hazard beyond its control, a fire started by intruders, a collapsing wall or roof, water from a neglected building can spread into the trading premises next door. The restaurant is damaged and closed by the state of a building it does not own.

A Stoke-on-Trent example

A fire started by intruders in a derelict property next to a Stoke restaurant spreads through the shared structure, damaging the kitchen and dining room. The restaurant's own buildings and contents cover meets the reinstatement, and business interruption covers the closure, whatever the state of the building it began in.

What restaurant insurance covers

Buildings and contents cover respond to fire, impact and water damage to the restaurant however it originates, which matters where neighbouring buildings are derelict. Business interruption and the liabilities complete the cover.

Placing it in Stoke-on-Trent with Apex

We make sure the cover responds to hazards next door as well as within, which in areas with vacant stock is a real consideration. Apex arranges Stoke hospitality cover through one named broker. FCA authorised; established 2009.

Stoke-on-Trent commercial quote

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Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number 724952. Registered in England and Wales, company number 07014570. Trading address: QCS, 53 Queen Charlotte Street, Bristol BS1 4HQ · Serving tradespeople in Stoke-on-Trent and the wider region.

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