Restaurant insurance in Harrogate
Harrogate's genteel spa-town dining, from its famous tearooms to its independent restaurants, often centres on one person, the owner-chef whose skill and reputation are the business. When that person is out of action, so, often, is the restaurant.
Where the risks come from for Harrogate restaurants
A small restaurant built around an owner-chef or a key individual is acutely exposed if that person is injured or falls seriously ill, the kitchen may not run, the bookings fall away, and the trade suffers even though the premises are untouched. It is a business risk that sits in a person, not a building.
A Harrogate example
The owner-chef of a Harrogate restaurant is seriously injured and cannot work for months, and the business, built around them, loses much of its trade. Personal-accident and key-person cover provides a benefit through the incapacity, helping the restaurant weather a loss no property policy would meet.
What restaurant insurance covers
Personal-accident and key-person cover provides financial support when an owner or key individual is unable to work through injury or illness, a risk quite separate from damage to the premises. It complements the property, business-interruption and liability covers.
Placing it in Harrogate with Apex
We make sure a restaurant built around one person is protected against losing that person, not just its building. Apex arranges Harrogate hospitality cover through one named broker. FCA authorised; established 2009.
Related
- Public liability insurance Harrogate
- Employers liability insurance Harrogate
- Commercial vehicle insurance Harrogate
- Business insurance Harrogate
Get the right commercial cover, placed by a named broker
Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.