Restaurant insurance in Marlborough

Marlborough's wide Georgian high street keeps its coaching-inn heritage alive, and several of its restaurants come with rooms, offering guests a bed as well as a meal. A restaurant that puts people up overnight takes on a hotelier's risks as well as a chef's.

Where the risks come from for Marlborough restaurants

A restaurant with rooms is responsible for guests around the clock, in bedrooms, on stairs, overnight, and for their belongings, which widens its liability well beyond the dining room. Fire safety, in particular, carries far greater stakes where people are sleeping on the premises.

A Marlborough example

A guest staying above a Marlborough restaurant-with-rooms is injured on a poorly-lit stair overnight, and a liability claim follows. Public liability arranged to cover the accommodation, not just the restaurant, meets the claim, and the fire-safety cover reflects the greater duty owed to sleeping guests.

What restaurant insurance covers

A restaurant with rooms needs liability and property cover that reflect overnight accommodation, guests' effects and the heightened fire-safety duty, beyond a dining-only policy. These sit with the buildings, contents, stock and business-interruption covers.

Placing it in Marlborough with Apex

We make sure a restaurant-with-rooms is covered as the hospitality business it really is, guests and all. Apex arranges Marlborough hospitality cover through one named broker. Authorised by the FCA; established 2009.

Related

• Public liability insurance Marlborough
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• Commercial vehicle insurance Marlborough
• Business insurance Marlborough