Restaurant insurance in Cardiff

Cardiff's restaurants trade in a lively capital, many of them licensed and dependent on serving alcohol for a healthy share of their takings. For a licensed restaurant, the licence itself is a business-critical asset.

Where the risks come from for Cardiff restaurants

A restaurant that loses, or has suspended, its premises licence, whether through a review, an incident or a breach, can see a large part of its trade disappear overnight, even as the rent and the staff costs continue. The licence is as vital to the business as the kitchen.

A Cardiff example

A Cardiff restaurant faces the suspension of its alcohol licence after a licensing issue, and its trade falls sharply while the matter is resolved. Loss-of-licence cover responds to the drop in trade and the value tied to the licence, cushioning a blow that has nothing to do with fire or theft.

What restaurant insurance covers

Loss-of-licence cover is a hospitality-specific protection for a licensed business, answering for the loss of trade or value if a premises licence is lost. It sits alongside the property, business-interruption and liability covers a restaurant needs.

Placing it in Cardiff with Apex

We make sure a licensed restaurant is covered for the loss of the thing its trade depends on, not just its building and stock. Apex arranges Cardiff hospitality cover through one named broker. Regulated by the FCA; established 2009.

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