Restaurant insurance in Bath

Bath is a World Heritage city, and many of its restaurants trade from Georgian and listed buildings in the honey-coloured centre. Dining in a piece of history is part of the appeal, and part of the risk.

Where the risks come from for Bath restaurants

When a fire or serious escape of water hits a restaurant in a listed building, the repair is not a standard one, it must be done to a conservation standard, with matching materials and consents, at far greater cost and over a much longer closure than a modern unit would face.

A Bath example

A kitchen fire spreads into the fabric of a listed Bath restaurant, and reinstating the Georgian interior to a conservation standard takes many months and specialist trades. Buildings cover on a proper listed-reinstatement basis meets the repair, and business interruption, set to a long enough period, carries the extended closure.

What restaurant insurance covers

For a restaurant in a listed building, the buildings sum and the business-interruption period must both reflect the reality of a slow, conservation-standard repair. These sit with contents, stock and the standard liabilities on any hospitality policy.

Placing it in Bath with Apex

Listed premises need a rebuild figure and an indemnity period built around heritage repair, which is a specialist placement. Apex arranges Bath's restaurant cover through one named broker and insurers who understand old buildings. Authorised by the FCA; established 2009.

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