Restaurant insurance in Ludlow

Ludlow's reputation as a food town keeps its restaurants investing in themselves, and a refit or an extension is a regular part of staying ahead in a listed, historic setting. A restaurant undergoing building works is, for a time, a different and heightened risk.

Where the risks come from for Ludlow restaurants

During a refurbishment, a restaurant has contractors on site, services disturbed, the building opened up, and materials and works exposed, all of which raise the risk of fire, water damage, theft and injury. The works themselves, and the disruption to trade, need cover a settled premises policy does not provide.

A Ludlow example

A refurbishment at a listed Ludlow restaurant suffers a fire during the works, damaging both the existing premises and the new work in progress. Cover arranged to include the contract works and the heightened risk during refurbishment meets the loss, where a standard policy might have been prejudiced by the works.

What restaurant insurance covers

A restaurant undergoing works should tell its insurer and arrange cover for the contract works and the altered risk, so a loss during refurbishment is not disputed. This complements the buildings, contents, business-interruption and liability covers.

Placing it in Ludlow with Apex

We make sure a restaurant is properly covered while it is being worked on, not just when it is finished. Apex arranges Ludlow hospitality cover through one named broker. Regulated by the FCA; established 2009.

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