Restaurant insurance in Bournemouth

Bournemouth's restaurants cluster along the seafront and through a lively town centre built on tourism and a busy night-time economy. Sometimes a restaurant is closed not by anything that happens to it, but by something happening next door.

Where the risks come from for Bournemouth restaurants

A fire, a gas leak, a police cordon or a serious incident at neighbouring premises can shut a street or deny access to a restaurant that is itself undamaged. With the doors closed and no customers reaching them, the loss of trade is real even though the building is fine.

A Bournemouth example

A fire in an adjoining property forces the authorities to close the street, and a Bournemouth restaurant cannot open for a week despite suffering no damage of its own. Business interruption with denial-of-access cover replaces the trade lost while the restaurant is cut off.

What restaurant insurance covers

Business interruption cover can extend to denial of access and incidents at nearby premises, not just damage to the restaurant itself, which matters on a busy, tightly-packed street. It sits alongside the property, stock and liability covers.

Placing it in Bournemouth with Apex

We make sure the business-interruption cover reflects the risks around a restaurant as well as within it, denial of access included. Apex arranges Bournemouth hospitality cover through one named broker. Regulated by the FCA; established 2009.

Related

• Public liability insurance Bournemouth
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• Business insurance Bournemouth