Restaurant insurance in Coventry

Coventry's restaurants, feeding a big student and city population, increasingly trade as much through delivery as through the dining room. Once food, and drivers, leave the premises, the restaurant's risks travel with them.

Where the risks come from for Coventry restaurants

A restaurant that delivers, whether with its own drivers or through the arrangements it makes, carries exposures beyond the premises, an accident involving a delivery, injury or illness from food delivered, a driver hurt at work. These fall outside a policy written only for the dining room.

A Coventry example

A customer is made ill by a meal delivered from a Coventry restaurant, and a claim follows. Because the products liability had been arranged to cover food sold for delivery as well as eaten in, the claim is met, where an in-premises-only policy might have left a gap.

What restaurant insurance covers

For a restaurant that delivers, products and public liability should extend to food sold off the premises, and any own-delivery drivers need proper motor and employers' liability cover. These sit with the property and business-interruption covers.

Placing it in Coventry with Apex

We make sure a delivery trade is covered end to end, not just within the four walls of the restaurant. Apex arranges Coventry hospitality cover through one named broker. Regulated by the FCA; established 2009.

Related

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