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 · Swindon

Restaurant insurance in Swindon

Reviewed by Apex Insurance Brokers · Published 16 July 2026

Swindon's restaurant trade includes the drive-thrus and forecourt units of its retail parks and roadsides, where cars and customers mix in the same space. Where vehicles and pedestrians share the ground, the risk of the two meeting is never far away.

Where the risks come from for Swindon restaurants

A drive-thru lane, a busy forecourt or a car park where vehicles queue and manoeuvre among pedestrians is a place where accidents happen, a car striking a customer, a collision, a pedestrian hurt among moving traffic. The restaurant that runs the space is responsible for its safety.

A Swindon example

A pedestrian is struck by a manoeuvring vehicle in the drive-thru lane of a Swindon restaurant, and a liability claim follows against the business for the layout and management of the space. Public liability cover meets the claim, an exposure a unit without a forecourt would not carry.

What restaurant insurance covers

Public liability should reflect the whole operation, drive-thru, forecourt and car park included, where vehicles and customers mix. It sits with the products and employers' liability and the property and business-interruption covers.

Placing it in Swindon with Apex

We make sure the liability cover reflects a forecourt and drive-thru operation, not just a dining room. Apex arranges Swindon hospitality cover through one named broker. Regulated by the FCA; established 2009.

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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 Swindon and the wider region.

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Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.

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