Restaurant insurance in St Albans

St Albans's affluent dining scene, all gastropubs and destination restaurants, lives and dies by its reputation and its reviews. In the age of social media, a single incident can damage a restaurant's name faster than any fire.

Where the risks come from for St Albans restaurants

An incident, a food-safety scare, a well-publicised complaint, a story that goes round online, can hit a restaurant's trade hard even when the premises are untouched, as customers stay away. Recovering a damaged reputation takes time and money, and the lost trade in between is real.

A St Albans example

A food-safety incident at a St Albans restaurant draws adverse publicity, and its trade falls sharply for weeks as the story circulates, though the premises never closed. Cover for loss of trade following adverse publicity, where the policy provides it, responds to the drop and to the cost of managing the fallout.

What restaurant insurance covers

Some hospitality policies extend to loss of trade following adverse publicity, and to crisis-management or public-relations support after an incident, cover that answers for reputational rather than physical loss. It sits alongside the property, business-interruption and liability covers.

Placing it in St Albans with Apex

We look at the reputational as well as the physical risks a restaurant faces, and arrange the cover to match. Apex arranges St Albans hospitality cover through one named broker. FCA authorised; established 2009.

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