Restaurant insurance in Chelmsford

Chelmsford's restaurants serve a prosperous Essex city, many of them built around a signature style or a particular menu that depends on specific suppliers. When a key supplier fails, the restaurant can be caught out.

Where the risks come from for Chelmsford restaurants

A restaurant that relies on one or two key suppliers, for a specialist ingredient, a particular product, a single distributor, is exposed if that supplier suffers a fire, flood or failure. The restaurant may be unable to trade normally through no fault or damage of its own.

A Chelmsford example

A fire at the premises of a Chelmsford restaurant's main supplier cuts off its key ingredients, and the restaurant's trade suffers while it scrambles for alternatives. Business interruption cover extended to supplier failure responds to the lost trade, a loss the restaurant could not otherwise recover.

What restaurant insurance covers

Business interruption can be extended to cover the failure of key suppliers or customers, not just damage to the restaurant, closing a gap that catches out businesses reliant on a narrow supply chain. It works with the property and liability covers.

Placing it in Chelmsford with Apex

We look at what a restaurant actually depends on, key suppliers included, and arrange the business-interruption extensions to match. Apex arranges Chelmsford hospitality cover through one named broker. FCA authorised; established 2009.

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