Restaurant insurance in Nailsea
Nailsea's restaurants serve a settled North Somerset commuter town, running kitchens full of sensitive electronics and refrigeration. A summer storm can reach in and damage all of it in an instant.
Where the risks come from for Nailsea restaurants
A lightning strike on or near a restaurant can surge through the wiring and destroy refrigeration controls, ovens, tills, card terminals and other electronics, and start a fire at the point of entry. Modern kitchens, full of electronics, are more exposed to surge damage than ever.
A Nailsea example
Lightning strikes near a Nailsea restaurant during a storm, and the surge fries the refrigeration controls, the till system and several appliances, spoiling stock as the fridges fail. Buildings, contents and stock cover meet the damage and the lost produce, and business interruption covers any closure.
What restaurant insurance covers
Lightning and its consequences, fire, electrical damage and the stock loss a refrigeration failure causes, are covered under a restaurant policy's standard perils and stock cover. Business interruption and the liabilities complete it.
Placing it in Nailsea with Apex
We make sure the electronics a modern kitchen depends on are covered against surge, not just the obvious perils. Apex arranges Nailsea hospitality cover through one named broker. Authorised by the FCA; established 2009.
Related
- Public liability insurance Nailsea
- Employers liability insurance Nailsea
- Commercial vehicle insurance Nailsea
- Business insurance Nailsea
Get the right commercial cover, placed by a named broker
Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.