Restaurant insurance in Shrewsbury

Shrewsbury sits inside a great loop of the Severn, and the river floods the town often enough that riverside restaurants know the drill. For a commercial premises that floods more than once, the challenge is keeping cover at all.

Where the risks come from for Shrewsbury restaurants

A restaurant that has flooded before will likely flood again, and, unlike households, commercial premises fall outside the flood-insurance safety nets, so cover depends on the open market. Repeat flooding can mean high excesses, steep premiums, or difficulty finding flood cover without a broker who knows where to look.

A Shrewsbury example

A riverside Shrewsbury restaurant that has flooded before struggles to find affordable flood cover on renewal, until it is placed, with the flood history and any resilience measures properly presented, with an insurer willing to write the risk. That presentation is where a broker earns their fee.

What restaurant insurance covers

For a flood-prone commercial restaurant, the key questions are whether flood is covered, at what excess, and through which market, and how the premises' flood history and defences are presented. Around flood sit the standard perils, business interruption and the liabilities.

Placing it in Shrewsbury with Apex

Flood-exposed restaurants are exactly where an experienced broker earns their place, knowing which insurers will write the risk. Apex arranges Shrewsbury hospitality cover through one named broker and specialist markets. Authorised by the FCA; established 2009.

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