Restaurant insurance in Paisley

Paisley's restaurants, trading in the shadow of Glasgow, often hire in equipment, an extra oven for a busy period, refrigeration, event kit, linen, rather than buy it outright. Equipment on hire is someone else's property in the restaurant's care.

Where the risks come from for Paisley restaurants

When a restaurant hires in plant, equipment or linen, it is usually responsible under the hire agreement for loss or damage to those items while they are in its charge. A fire, theft or accident that damages hired kit leaves the restaurant liable to the owner, on top of its own losses.

A Paisley example

A fire at a Paisley restaurant destroys hired refrigeration and event equipment along with the restaurant's own, and the hire company claims for its property under the agreement. Cover for hired-in plant and equipment meets that liability, which the restaurant's own contents cover would not extend to.

What restaurant insurance covers

Cover for hired-in plant, equipment and goods answers for the restaurant's liability for items in its care under a hire agreement, distinct from its own contents. It sits with the property, business-interruption and liability covers.

Placing it in Paisley with Apex

We make sure hired equipment is covered as well as owned, so a hire agreement does not become an uninsured liability. Apex arranges Paisley hospitality cover through one named broker. Regulated by the FCA; established 2009.

Related

• Public liability insurance Paisley
• Employers liability insurance Paisley
• Commercial vehicle insurance Paisley
• Business insurance Paisley