Restaurant insurance in Maidenhead

Maidenhead's restaurants make the most of an affluent Thames-side setting in Berkshire, some of them close to the river that gives the town its character. That closeness to the Thames is a flood risk as much as an attraction.

Where the risks come from for Maidenhead restaurants

A riverside restaurant is exposed to flooding when the Thames rises after prolonged rain, putting river water through low-lying kitchens and dining rooms. A river flood is slow to arrive, slow to leave and slow to clean up, and it can close a restaurant for months.

A Maidenhead example

The Thames rises after heavy winter rain and floods a riverside Maidenhead restaurant, leaving water through the ground floor and ruining fit-out, equipment and stock. Flood cover meets the strip-out and reinstatement, and business interruption covers the long closure while the premises dry and are refitted.

What restaurant insurance covers

For a riverside restaurant, the first question is whether flood is covered and on what excess, then buildings and contents cover for the damage and a business-interruption period long enough for a flood repair. These sit with the stock and liability covers.

Placing it in Maidenhead with Apex

We place riverside premises with insurers who will look at the flood defences and the history rather than just the postcode. Apex arranges Maidenhead hospitality cover through one named broker. FCA authorised; established 2009.

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