Restaurant insurance in Ilfracombe
Ilfracombe's seaside restaurants stretch their trade into the summer with terraces, awnings and the occasional marquee, making the most of a short, weather-dependent season. Those temporary and outdoor structures are exposed in a way the building is not.
Where the risks come from for Ilfracombe restaurants
Awnings, gazebos, marquees and outdoor dining structures on an exposed coast are vulnerable to wind and storm, and one can be wrecked in a single gale, taking with it the seating capacity a seaside restaurant relies on in season. Standard buildings cover may not extend to them.
An Ilfracombe example
A summer storm destroys the marquee and awnings an Ilfracombe restaurant relies on for its terrace trade, at the height of the season. Cover arranged to include outdoor and temporary structures meets the cost of replacing them, and business interruption covers the lost seating capacity.
What restaurant insurance covers
Cover for marquees, awnings and outdoor structures, and for the trade they carry, needs to be arranged specifically, as standard buildings cover often stops at the walls. It sits with the property, business-interruption and liability covers.
Placing it in Ilfracombe with Apex
We make sure a restaurant's outdoor trade is covered, structures and all, not just its four walls. Apex arranges Ilfracombe hospitality cover through one named broker. FCA authorised; established 2009.
Related
- Public liability insurance Ilfracombe
- Employers liability insurance Ilfracombe
- Commercial vehicle insurance Ilfracombe
- Business insurance Ilfracombe
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.