Restaurant insurance in Cheltenham
Cheltenham is a Regency spa town with a serious food reputation and a festival calendar to match, and its leading restaurants are fitted out to a standard that reflects their ambition. That investment in the interior is itself a substantial risk.
Where the risks come from for Cheltenham restaurants
A fine-dining fit-out, bespoke joinery, designer furnishings, a show kitchen, quality tableware, represents a large sum that a fire, flood or major escape of water can destroy in an evening. Under-insure the contents and fit-out, and a serious claim leaves the business well short of rebuilding what it had.
A Cheltenham example
A fire damages the dining room and bespoke fit-out of a high-end Cheltenham restaurant, and the cost of restoring the interior to its original standard is considerable. Contents cover set to the true replacement value of the fit-out meets it, where a policy with a low contents figure would leave the owner to fund the shortfall.
What restaurant insurance covers
Contents cover must reflect the real replacement cost of a restaurant's fit-out, furnishings and equipment, especially where the interior is a significant investment. It sits with buildings, stock, business interruption and the liability covers.
Placing it in Cheltenham with Apex
We make sure the fit-out and contents are insured for what they would actually cost to replace, not undervalued to trim a premium. Apex arranges Cheltenham restaurant cover through one named broker. Regulated by the FCA; established 2009.
Related
- Public liability insurance Cheltenham
- Employers liability insurance Cheltenham
- Commercial vehicle insurance Cheltenham
- Business insurance Cheltenham
Get the right commercial cover, placed by a named broker
Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.