Restaurant insurance in Trowbridge

Trowbridge's restaurants and caterers often work away from home, catering weddings, functions and events at halls, marquees and venues around Wiltshire. Working in someone else's building brings a liability for that building itself.

Where the risks come from for Trowbridge restaurants

When a caterer or restaurant works at a hired venue, an accident, a fire from the cooking, water damage, a spill, can damage the venue's property, and the caterer is liable for it. It is damage to a third party's premises, distinct from injury to a person, and a hall or a stately home is expensive to put right.

A Trowbridge example

A cooking fire at an event catered by a Trowbridge restaurant damages the hired venue's kitchen and hall, and the venue claims against the caterer. Public liability, covering damage to third-party property including hired venues, meets the claim, over and above any injury cover.

What restaurant insurance covers

Public liability should cover damage a restaurant or caterer causes to third-party property, including hired venues where it works away from its own premises. It sits with the products and employers' liability and the property covers.

Placing it in Trowbridge with Apex

We make sure the liability cover follows a catering business to the venues it works in, damage to those premises included. Apex arranges Trowbridge hospitality cover through one named broker. FCA authorised; established 2009.

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