Restaurant insurance in Chester

Chester's restaurants often trade within the city's historic multi-level buildings, the famous Rows among them, with premises stacked above and below one another. In a shared building, a restaurant's worst water damage can come from upstairs.

Where the risks come from for Chester restaurants

A restaurant on a lower floor depends on the premises above it, a leak, a burst pipe or an overflow from an upstairs neighbour can pour down into the dining room and kitchen, causing damage the restaurant did nothing to cause. Responsibility between occupiers can be tangled, and the loss is immediate.

A Chester example

A pipe fails in the premises above a Chester restaurant and water floods down through the ceiling into the dining room, damaging the fit-out and forcing a closure. The restaurant's own buildings and contents cover meets the damage while the source is dealt with, and business interruption covers the closure.

What restaurant insurance covers

Cover for escape of water, including water entering from other premises, with business interruption for the closure, matters for any restaurant in a shared or multi-level building. It sits with the contents, stock and liability covers.

Placing it in Chester with Apex

We make sure the cover responds to water from above as readily as a burst within, which in Chester's stacked buildings is a real risk. Apex arranges Chester hospitality cover through one named broker. Authorised by the FCA; established 2009.

Related

• Public liability insurance Chester
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• Business insurance Chester