Restaurant insurance in Taunton

Taunton sits at the edge of the Somerset Levels, low, flat country where floodwater, once it arrives, is slow to leave. A restaurant here faces a flood risk measured not in hours but in weeks.

Where the risks come from for Taunton restaurants

On the Levels, flooding can leave premises under water for days or weeks, as the winter of 2014 showed, rather than the hours of a flash flood. A restaurant inundated for that long suffers worse damage and a far longer closure, and an ordinary business-interruption period can run out before it can reopen.

A Taunton example

A restaurant on low ground near Taunton floods and stays flooded for over a week, and the drying and refit then take months. Flood cover meets the reinstatement, and a business-interruption period long enough for a prolonged flood carries the many months the restaurant cannot trade.

What restaurant insurance covers

For a restaurant in prolonged-flood country, flood cover and a genuinely long business-interruption period are both essential, because a Levels flood puts a business out for months. The standard perils and liabilities sit alongside.

Placing it in Taunton with Apex

We size the business-interruption period to the reality of a Levels flood, measured in months not hours. Apex arranges Taunton hospitality cover through one named broker. Authorised by the FCA; established 2009.

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