Restaurant insurance in Nottingham

Nottingham is a city built over sandstone caves and cellars, and many of its restaurants and bars trade in atmospheric below-ground rooms or use them for kitchens and storage. Below ground, water is a particular problem.

Where the risks come from for Nottingham restaurants

A basement or cellar restaurant, kitchen or store is the first place water collects, whether from a burst pipe, a backing-up drain or surface flooding finding its way down. Below ground, water is slow to clear and quick to ruin stock, equipment and fit-out, and pumping and drying add to the job.

A Nottingham example

Surface water after a downpour finds its way into the basement kitchen and store of a Nottingham restaurant, flooding it and ruining stored stock and equipment. Escape-of-water and flood cover meet the damage and the pumping and drying, with business interruption for the closure.

What restaurant insurance covers

For a below-ground restaurant, cover for escape of water and flood, with the cost of clearing and drying a basement, matters more than for a ground-floor unit. Stock, business interruption and the liabilities complete the cover.

Placing it in Nottingham with Apex

We make sure a below-ground restaurant is covered for the water that finds it first, and the work of clearing it. Apex arranges Nottingham hospitality cover through one named broker. Authorised by the FCA; established 2009.

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