Restaurant insurance in Falmouth

Falmouth's harbour-side restaurants trade on Cornish seafood and a steady flow of visitors, at the far end of a long supply and power network. When the power that keeps a kitchen running fails, a restaurant here feels it quickly.

Where the risks come from for Falmouth restaurants

A failure of the public electricity or water supply, a substation fault, a cut cable, a mains problem, can stop a restaurant trading and spoil the stock in its fridges and freezers, even though nothing on the premises has broken. Rural and peninsular locations are more exposed to prolonged outages.

A Falmouth example

A prolonged power cut from a substation fault leaves a Falmouth restaurant unable to trade and spoils a full stock of chilled and frozen produce. Cover for public-utilities failure meets the lost stock and the interrupted trade, where a policy tied only to on-site breakdown would not respond.

What restaurant insurance covers

Cover for failure of public utilities, electricity, water, gas, extends stock and business-interruption cover to losses caused by an off-site supply failure, not just an on-site breakdown. It sits with the property, stock and liability covers.

Placing it in Falmouth with Apex

We make sure a restaurant is covered when the supply beyond its walls fails, which on the Cornish coast is a real risk. Apex works through one named broker and 30-plus markets. FCA authorised; established 2009.

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