Restaurant insurance in St Austell

St Austell's restaurants and inns reach out into Cornwall's clay country and villages, well beyond the mains gas network. Off the grid, many are heated, and some cook, on oil, and a tank of oil is both a liability and a target.

Where the risks come from for St Austell restaurants

An oil tank serving a rural restaurant can leak, spilling fuel into the ground and threatening contamination, or be targeted for theft of its valuable contents. Either way the loss reaches beyond the oil itself to clean-up, contamination liability, and a cold, non-trading kitchen.

A St Austell example

The oil tank at a rural St Austell restaurant splits and leaks into the ground before it is noticed, and the clean-up and remediation run into a substantial sum. Cover for oil leakage and the resulting contamination meets the cost, which a standard policy without it would leave the business to bear.

What restaurant insurance covers

For an oil-heated rural restaurant, cover should extend to oil leakage, contamination and theft of oil, on top of the standard property, stock and liability covers. Off-grid premises carry exposures a mains-connected restaurant does not.

Placing it in St Austell with Apex

We make sure off-grid premises are covered for the things that actually happen to them, oil leaks and theft included. Apex arranges St Austell hospitality cover through one named broker. Regulated by the FCA; established 2009.

Related

• Public liability insurance St Austell
• Employers liability insurance St Austell
• Commercial vehicle insurance St Austell
• Business insurance St Austell