Restaurant insurance in Aberdeen

Aberdeen's dining scene grew up on North Sea money and North Sea seafood, from harbour-side fish restaurants to the granite city's busier kitchens. Wherever there is a busy kitchen, one risk sits above all others.

Where the risks come from for Aberdeen restaurants

A commercial kitchen runs hot oil, open flames and greasy extraction ducting side by side, and fire is the peril that closes restaurants for good. A deep-fat fryer flare-up or a build-up of grease in the ductwork can take hold fast and spread into the whole premises.

An Aberdeen example

A deep-fat fryer in an Aberdeen restaurant overheats during a busy service and ignites, and the fire spreads up into the extraction ducting before it is put out. The kitchen is gutted and the restaurant closed for months. Buildings and contents cover meets the reinstatement, and business interruption covers the lost profit while the doors are shut.

What restaurant insurance covers

Restaurant insurance builds out from the fire risk: cover for the buildings and the fit-out, the commercial catering equipment, and, crucially, business interruption to replace the profit lost while the premises are closed. Public and employers' liability sit alongside for customers and staff.

Placing it in Aberdeen with Apex

Apex places hospitality risks with insurers who understand commercial kitchens, from the fryer to the ductwork, and you deal with one named broker throughout. Established in 2009 and authorised by the FCA, Apex arranges cover through 30-plus markets including Lloyd's.

Related

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