Restaurant insurance in Stirling

Stirling's restaurants trade beneath the castle in a historic Scottish town, many of them in old stone buildings with tall frontages and ornament. Age and weather can loosen that masonry, and what comes down lands on the street below.

Where the risks come from for Stirling restaurants

A piece of masonry, a coping stone, a section of render, a chimney, that falls from the frontage of an old restaurant can injure a passer-by or a customer, or damage property below, and the business is liable. Older, taller premises carry this risk in a way a modern unit does not.

A Stirling example

A section of stonework falls from the frontage of a historic Stirling restaurant onto the busy pavement, injuring a passer-by, and a liability claim follows. Property owners' and public liability meet the injury claim, and buildings cover meets the repair to the frontage.

What restaurant insurance covers

Public liability answers for injury or damage caused by falling masonry from a restaurant's building, and buildings cover meets the repair, both matter for older, taller premises. They sit with the property, business-interruption and other liability covers.

Placing it in Stirling with Apex

We make sure the liability cover reflects the risks an old building poses to the street as well as to its customers. Apex arranges Stirling hospitality cover through one named broker. Authorised by the FCA; established 2009.

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