Restaurant insurance in Guildford

Guildford's affluent Surrey diners arrive in good coats and with belongings they hand over or set aside, and a busy restaurant takes temporary charge of a great deal of other people's property. Looking after it is a responsibility that occasionally becomes a claim.

Where the risks come from for Guildford restaurants

A restaurant that takes coats, holds bags or runs a cloakroom is responsible for customers' property in its care, and a loss, theft or mix-up, or damage from a spill or a fire, can bring a claim from a customer for belongings that were valuable. It is a liability distinct from injury.

A Guildford example

A customer's coat, with valuables in the pockets, is taken from the cloakroom of a Guildford restaurant, and the customer claims against the business. Cover for customers' effects meets the loss, an exposure a standard public liability section may limit or exclude.

What restaurant insurance covers

Cover for customers' property and effects, in a cloakroom or in the restaurant's care, answers for loss of or damage to belongings the business looks after. It sits alongside public and products liability and the property covers.

Placing it in Guildford with Apex

We make sure a restaurant is covered for the property it takes charge of, not just injury to the people who own it. Apex arranges Guildford hospitality cover through one named broker. Authorised by the FCA; established 2009.

Related

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