Restaurant insurance in Manchester

Manchester's dining scene has grown up alongside its residential boom, and many city-centre restaurants now occupy the ground floors of tall mixed-use developments, with apartments stacked above them. Living space over a kitchen brings a particular water risk.

Where the risks come from for Manchester restaurants

A ground-floor restaurant beneath residential apartments is exposed to water from above, a burst pipe, an overflowing bath, a failed appliance in a flat can pour down into the restaurant, damaging the ceiling, fit-out and kitchen through no fault of the business. Responsibility across a mixed-use building can be complicated.

A Manchester example

A bathroom in an apartment above a Manchester restaurant floods, and water comes down through the ceiling into the dining room and kitchen, forcing a closure. The restaurant's own contents and business-interruption cover meets the damage and the lost trade while responsibility is sorted out with the building above.

What restaurant insurance covers

Cover for escape of water, including water entering from the floors above, with business interruption for the closure, matters for any restaurant in a mixed-use building. It sits with the tenant's-improvements, contents, stock and liability covers.

Placing it in Manchester with Apex

We make sure a ground-floor restaurant is covered for water coming down from the homes above as readily as a burst of its own. Apex arranges Manchester hospitality cover through one named broker. Regulated by the FCA; established 2009.

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