Restaurant insurance in Cirencester

Cirencester's Cotswold gastropubs and restaurants trade on rustic, open cooking, wood-fired ovens, charcoal grills, solid-fuel ranges. That style of cooking is part of the draw and a fire risk that a gas kitchen does not carry.

Where the risks come from for Cirencester restaurants

Wood-fired ovens and charcoal grills run at high heat with live embers and hot flue gases, and a spark, an overheated flue or embers left unattended can start a fire in the fabric of the building. Solid-fuel cooking demands careful management, and insurers treat it as a heightened risk.

A Cirencester example

Embers from a wood-fired oven in a Cirencester restaurant ignite nearby timber and the fire spreads into the wall behind the oven before it is caught. Buildings and contents cover meets the reinstatement, and business interruption covers the closure, provided the solid-fuel conditions the insurer required were met.

What restaurant insurance covers

Fire cover is central to any restaurant policy, and where cooking is done over solid fuel the insurer will expect proper flue maintenance and clearances. Contents, catering equipment, business interruption and the liabilities complete the cover.

Placing it in Cirencester with Apex

We place solid-fuel kitchens with insurers who understand wood-fired cooking, and we flag the flue and clearance conditions that keep cover valid. Apex works through one named broker and 30-plus markets. FCA authorised; established 2009.

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