Restaurant insurance in Torquay
Torquay's tourist trade supports carveries, buffets and self-service dining along the Riviera, where food sits out for guests to help themselves. Food held on display for hours is a food-safety risk of a particular kind.
Where the risks come from for Torquay restaurants
On a buffet or carvery, food is kept hot or cold on display for extended periods, and a failure of temperature control, a warmer that cools, a chiller that warms, can let bacteria grow and make guests ill. Self-service dining multiplies the exposure across everyone who eats.
A Torquay example
A hot buffet at a Torquay restaurant is held below a safe temperature over a busy service, and several guests fall ill, bringing claims. Products liability cover meets the claims, and business interruption covers any closure while the failure is put right.
What restaurant insurance covers
Products liability, at a limit that reflects the number of guests a buffet can affect at once, is essential for self-service dining, alongside business-interruption cover for any closure. These sit with the property and the other liability covers.
Placing it in Torquay with Apex
We set the products-liability limit to reflect buffet and carvery dining, where one failure can affect many. Apex arranges Torquay hospitality cover through one named broker. Authorised by the FCA; established 2009.
Related
- Public liability insurance Torquay
- Employers liability insurance Torquay
- Commercial vehicle insurance Torquay
- Business insurance Torquay
Get the right commercial cover, placed by a named broker
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.