Restaurant insurance in Stroud

Stroud's Five Valleys are full of old cloth mills, and several now house restaurants, cafes and food businesses within their sturdy stone walls. A converted mill is a characterful home for a restaurant and an unusual one to insure.

Where the risks come from for Stroud restaurants

A restaurant in a converted mill occupies part of a large, old industrial building, often shared with other businesses, with a rebuild cost and a structure quite unlike a standard unit. Fire, water or structural problems in the wider building can reach the restaurant, and the shared premises complicate responsibility.

A Stroud example

A leak high in a converted Stroud mill tracks down through the building and into the restaurant on a lower floor, damaging its fit-out and forcing a closure. The restaurant's own cover meets the damage and the lost trade, while responsibility across the shared building is sorted out.

What restaurant insurance covers

For a restaurant in a converted mill or shared industrial building, cover should reflect the large old structure and the shared premises, including damage spreading from elsewhere. Business interruption, contents, stock and the liabilities complete it.

Placing it in Stroud with Apex

Converted mills and shared industrial buildings are a specialist placement, and we arrange cover that reflects them. Apex arranges Stroud hospitality cover through one named broker. Authorised by the FCA; established 2009.

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