Restaurant insurance in Plymouth

Plymouth's restaurants, feeding a naval city and its students, run on skilled kitchen staff who bring their own tools to work, chefs' knife rolls, equipment, personal belongings. Those possessions are in the restaurant's premises, and their loss is felt by the people who own them.

Where the risks come from for Plymouth restaurants

When a fire, flood or theft hits a restaurant, it can take the staff's own property with it, a chef's knives and tools, coats and belongings, kit that is valuable and, for a chef's tools, hard to replace quickly. A policy covering only the business's own contents leaves the staff's losses unmet.

A Plymouth example

A fire at a Plymouth restaurant destroys the kitchen along with the chefs' knife rolls and staff belongings kept there. Cover for employees' effects meets the staff's personal losses, which the restaurant's own contents cover would not extend to, and helps the team get back to work.

What restaurant insurance covers

Cover for employees' effects answers for staff's personal property lost or damaged on the premises, a thoughtful addition for a business that relies on skilled people and their tools. It sits with the contents, property and liability covers.

Placing it in Plymouth with Apex

We make sure the cover looks after the staff's own kit as well as the restaurant's, which matters in a skilled kitchen. Apex arranges Plymouth hospitality cover through one named broker. Authorised by the FCA; established 2009.

Related

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