Restaurant insurance in Colchester

Colchester's diverse dining trade, feeding a garrison town and a university, runs on its staff, and most of them are entirely trustworthy. It only takes one who is not to open up a risk many owners never consider.

Where the risks come from for Colchester restaurants

A dishonest employee with access to the till, the safe, the stock or the accounts can steal from a restaurant steadily and quietly, and the losses, skimmed cash, pilfered stock, manipulated takings, can mount up before they are noticed. It is theft from within, and an ordinary theft cover does not answer for it.

A Colchester example

A trusted member of staff at a Colchester restaurant is found to have been skimming cash and diverting stock over many months, a substantial cumulative loss. Fidelity, or employee-dishonesty, cover meets the loss, which the standard theft-by-forced-entry cover would not have touched.

What restaurant insurance covers

Fidelity cover answers for theft and fraud by employees, a distinct risk from a break-in, and one worth having wherever staff handle cash and stock. It sits alongside the money, theft, property and liability covers on a restaurant policy.

Placing it in Colchester with Apex

We make sure the cover reflects the risk from inside as well as outside, employee dishonesty included. Apex arranges Colchester restaurant cover through one named broker. Authorised by the FCA; established 2009.

Related

• Public liability insurance Colchester
• Employers liability insurance Colchester
• Commercial vehicle insurance Colchester
• Business insurance Colchester