Restaurant insurance in Perth

Perth stands on the Tay, the largest river in Britain by flow, and its riverside restaurants trade with the water close at hand. When the Tay rises, those handsome stone premises take a long time to recover.

Where the risks come from for Perth restaurants

When the Tay floods, water can enter riverside premises and soak into thick stone walls that then hold moisture for months. For a restaurant, that means not just a strip-out and refit but a long wait to dry out before it can reopen, and a longer loss of trade than a modern unit would face.

A Perth example

A riverside Perth restaurant floods when the Tay rises after heavy rain and snowmelt, and although the water soon recedes, the stone building takes months to dry before it can trade again. Flood cover meets the reinstatement, and a generous business-interruption period carries the long drying-out.

What restaurant insurance covers

For a riverside stone restaurant, flood cover and a business-interruption period long enough to allow for slow drying are the two things that matter most. Establishing that flood is covered at all comes first, alongside the standard perils and liabilities.

Placing it in Perth with Apex

We know the Tay's reputation and how to present a riverside restaurant to insurers who will still cover it, with a realistic drying-out period. Apex arranges Perth hospitality cover through one named broker. FCA authorised; established 2009.

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