Restaurant insurance in Scarborough

Scarborough's restaurants trade above a dramatic Yorkshire coast, some of them perched on the cliffs and slopes that give the resort its views. That clifftop setting carries a slow, serious risk: the ground moving toward the sea.

Where the risks come from for Scarborough restaurants

Coastal cliffs and slopes are subject to landslip, particularly after heavy rain saturates the ground, and a restaurant built on or near one can suffer serious structural movement as the land shifts. It is a risk the finest view can hide, and stabilising a slipping site is a major undertaking.

A Scarborough example

After a wet winter, the sloping ground beneath a clifftop Scarborough restaurant begins to move, cracking the structure and threatening part of the building. Landslip and subsidence cover, where the policy includes it, meets the investigation and stabilisation, and business interruption covers any closure, a peril many policies exclude.

What restaurant insurance covers

Buildings cover on a clifftop or sloping site should include landslip, subsidence and heave, with business interruption for any closure the works cause. These sit with the contents, stock and liability covers.

Placing it in Scarborough with Apex

Ground movement on the coast is a specialist risk, and we place it with insurers who will price it rather than simply exclude it. Apex arranges Scarborough hospitality cover through one named broker. FCA authorised; established 2009.

Related

• Public liability insurance Scarborough
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• Business insurance Scarborough