Restaurant insurance in Clevedon

Clevedon's cafes, tearooms and restaurants look out over the Severn estuary from a genteel Victorian seafront. The view is the attraction, and the exposed coastal position is a risk the premises have to weather.

Where the risks come from for Clevedon restaurants

A seafront restaurant takes the brunt of estuary gales, and storm-force wind and driven rain can strip roofing, break glazing and force water in, damaging the premises and closing the business at the height of a spell of bad weather. The coast raises the odds every winter.

A Clevedon example

A severe storm off the estuary lifts part of the roof of a Clevedon seafront restaurant and drives rain into the dining room, forcing it to close while the roof and interior are repaired. Storm cover meets the damage, and business interruption covers the lost trade during the closure.

What restaurant insurance covers

Storm is a core buildings peril, and on an exposed seafront the reinstatement figure and the business-interruption period both need to reflect the risk. These sit with contents, stock and the liability covers on a restaurant policy.

Placing it in Clevedon with Apex

We place exposed coastal premises with insurers who will weigh the position fairly rather than shy from it. Apex arranges Clevedon hospitality cover through one named broker. Regulated by the FCA; established 2009.

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