Restaurant insurance in London

London's restaurants trade from every kind of building, and a great many of them sit on London clay, the ground behind the capital's most persistent structural problem. Even a restaurant can find itself dealing with subsidence.

Where the risks come from for London restaurants

London clay shrinks in dry summers and swells with the rain, and a restaurant in an older building on clay, especially near mature trees, can suffer subsidence, cracking walls, distorting frontages and, in a serious case, forcing a closure while the building is stabilised. The investigation and underpinning are slow and costly.

A London example

An older London restaurant develops serious cracking after a run of dry summers, and monitoring confirms clay-related subsidence, with underpinning needed. Subsidence cover meets the investigation and the works, and business interruption covers any closure, a peril many cheaper policies restrict or exclude.

What restaurant insurance covers

Buildings cover on an older restaurant should include subsidence, heave and landslip, with business interruption for any closure the works cause. These sit with contents, stock and the liability covers.

Placing it in London with Apex

Subsidence is exactly where a broker earns their place, from placing a property with a history to keeping a claim moving. Apex arranges London hospitality cover through one named broker and insurers who will carry clay risk sensibly. FCA authorised; established 2009.

Related

• Public liability insurance London
• Employers liability insurance London
• Commercial vehicle insurance London
• Business insurance London