Restaurant insurance in Livingston

Livingston's restaurants trade largely from modern units in its retail and leisure developments, fitted out to a contemporary standard for a busy West Lothian catchment. Much of the everyday risk in a smart modern unit is simple accident.

Where the risks come from for Livingston restaurants

In a well-run modern restaurant, the losses that recur are accidental, a dropped or knocked fitting, damage during a busy service, a mishap that harms the fit-out, equipment or stock without any fire, flood or theft. Cover limited to the named perils leaves these everyday accidents to the business.

A Livingston example

Staff at a Livingston restaurant accidentally damage a section of fitted bar and some equipment while moving stock during a busy period, a costly repair. Accidental damage cover meets the cost of putting it right, over and above the standard fire, theft and water perils.

What restaurant insurance covers

Accidental damage cover, for the contents, fit-out and equipment, answers for the everyday mishaps a named-perils policy leaves out. It sits alongside the buildings, stock, business-interruption and liability covers.

Placing it in Livingston with Apex

We make sure the cover reflects everyday reality, accidental damage included, not just the big-name perils. Apex arranges Livingston hospitality cover through one named broker. Authorised by the FCA; established 2009.

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