Restaurant insurance in Inverness

Inverness and the restaurants of the Highlands trade hard through the tourist season and, in many cases, close or scale right back through the quiet winter months. An empty restaurant over a Highland winter is a risk of its own.

Where the risks come from for Inverness restaurants

A restaurant left closed and unoccupied out of season is exposed to problems that go undiscovered, a burst pipe, a break-in, a fault, developing over days or weeks with no one there. Insurers restrict cover on premises that stand empty for extended periods unless it is arranged for.

An Inverness example

A seasonal Inverness restaurant is closed for the winter when a pipe bursts, and with no one on the premises the water runs for days before it is found, ruining the kitchen and fit-out. Cover arranged for the unoccupied off-season period meets the damage, where a standard policy would have restricted it.

What restaurant insurance covers

For a restaurant that closes out of season, cover must be arranged to hold through the unoccupied period, with the insurer's conditions on inspections, heating and security met. It sits with the property, stock and business-interruption covers.

Placing it in Inverness with Apex

We make sure a seasonal restaurant stays properly covered through the months it stands empty, not just when it is trading. Apex arranges Inverness hospitality cover through one named broker. Regulated by the FCA; established 2009.

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