Restaurant insurance in Sheffield

Sheffield's restaurants are scattered across a city of steep hills, and many trade from premises where the ground behind or below is held back by a retaining wall. Those walls do quiet, heavy work, until one of them stops.

Where the risks come from for Sheffield restaurants

On a hillside, a retaining wall holds back tonnes of earth, and an old one that bulges or collapses, often after heavy rain, can undermine a restaurant's yard, car park or the ground beneath the building itself. Rebuilding a structural retaining wall is a serious and expensive job.

A Sheffield example

A retaining wall below a Sheffield hillside restaurant fails after a wet spell, and the ground slips, undermining the rear yard and threatening the kitchen. Where the policy covers retaining walls and ground movement, the rebuilding and stabilisation are met, and business interruption covers any closure.

What restaurant insurance covers

Buildings cover on a hillside restaurant should explicitly include retaining walls and ground movement, which some policies limit or exclude. Business interruption, contents, stock and the liabilities complete the cover.

Placing it in Sheffield with Apex

We check that walls and ground works are actually covered, because on Sheffield's hills they are a real exposure. Apex works through one named broker and 30-plus markets. FCA authorised; established 2009.

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