Restaurant insurance in Cambridge

Cambridge pairs a world-famous university with an affluent dining scene, and its better restaurants keep cellars of fine wine and spirits worth serious money. That stock is both an asset and a temptation.

Where the risks come from for Cambridge restaurants

A restaurant's wine and spirits stock can run to tens of thousands of pounds, and it is portable, valuable and attractive to thieves. A break-in that targets the cellar, or losses over time, can take a substantial bite out of the business.

A Cambridge example

A Cambridge restaurant's wine cellar is cleared out in an overnight break-in, a five-figure loss of stock alone, on top of damage to the doors and cellar. Stock and theft cover, set to the true value of the cellar, meets the loss, which a policy with a low stock figure would leave badly short.

What restaurant insurance covers

Stock cover set to the real value of the wine, spirits and food, with theft cover for a break-in, matters for any restaurant holding valuable stock. It sits alongside the buildings, equipment, business-interruption and liability covers.

Placing it in Cambridge with Apex

We make sure the stock sum insured reflects a full cellar, not a token figure, so a theft is met in full. Apex arranges Cambridge restaurant cover through one named broker and a wide market. Authorised by the FCA; established 2009.

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