Restaurant insurance in High Wycombe

High Wycombe's restaurants, spread across a Buckinghamshire commuter town, keep a good deal of valuable kit outside the back door, refrigeration condensers, air-conditioning units, gas cylinders, external plant. Out of sight of customers, it is in sight of thieves.

Where the risks come from for High Wycombe restaurants

External plant and gas cylinders at the rear of a restaurant are exposed to theft and are expensive to replace, and their loss can also stop the kitchen working, no refrigeration, no gas, no service. Metal and cylinders in particular are targeted, and the theft often does damage on the way.

A High Wycombe example

Thieves take the external refrigeration condenser and gas cylinders from the rear of a High Wycombe restaurant overnight, and the kitchen cannot operate until they are replaced. Theft cover extending to external plant meets the loss, and business interruption covers the trade lost while the kitchen is down.

What restaurant insurance covers

Theft cover should extend to external plant, equipment and gas cylinders, not just contents inside the premises, with business interruption for any resulting closure. These sit with the property and liability covers.

Placing it in High Wycombe with Apex

We make sure the kit outside the back door is covered as well as the contents within, because its loss stops a kitchen just the same. Apex arranges High Wycombe restaurant cover through one named broker. Regulated by the FCA; established 2009.

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