Restaurant insurance in Ipswich

Ipswich's regenerated waterfront has filled with restaurants along the marina and the old dock, a fine setting that sits close to the tide. On the quayside, water is only ever a surge away.

Where the risks come from for Ipswich restaurants

A quayside or dockside restaurant is exposed to tidal and surface flooding, when a high tide, a surge or heavy rain pushes water over the quay and into low-lying premises. Salt and dock water do lasting damage to fit-out and equipment, and the clean-up is slow.

An Ipswich example

A tidal surge pushes water over the quay and into a waterfront Ipswich restaurant, flooding the ground-floor dining room and kitchen. Flood cover meets the strip-out and reinstatement, and business interruption covers the weeks of closure while the premises dry and are refitted.

What restaurant insurance covers

For a waterfront restaurant, the first question is whether flood is covered and on what terms, then buildings and contents cover for the damage and business interruption for the long closure. These sit with the stock and liability covers.

Placing it in Ipswich with Apex

We place waterfront premises with insurers who will weigh the flood defences and the history rather than just the postcode. Apex arranges Ipswich hospitality cover through one named broker. Authorised by the FCA; established 2009.

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