Restaurant insurance in Tunbridge Wells

Royal Tunbridge Wells supports a fine-dining scene fitted out to a high standard for an affluent Kent clientele. When a high-end restaurant is badly damaged, rebuilding it to the level its customers expect takes time, and the cover has to allow for it.

Where the risks come from for Tunbridge Wells restaurants

A serious fire or flood at a high-end restaurant means not a quick refit but a full, careful rebuild to a demanding standard, and winning back a clientele that has gone elsewhere. If the business-interruption indemnity period is too short, the cover runs out before the restaurant has recovered its trade.

A Tunbridge Wells example

A fire closes a high-end Tunbridge Wells restaurant, and the rebuild to its original standard, and the slow return of its customers, take well over a year. A business-interruption indemnity period set long enough, twenty-four months rather than twelve, carries the recovery, where a short period would have left the business exposed.

What restaurant insurance covers

The business-interruption indemnity period should reflect how long a restaurant would really take to rebuild and recover its trade, which for a high-end business can be well beyond twelve months. It works with the buildings, contents and the standard covers.

Placing it in Tunbridge Wells with Apex

We set the indemnity period to the real recovery time of a high-end restaurant, not a default twelve months. Apex arranges Tunbridge Wells hospitality cover through one named broker. Authorised by the FCA; established 2009.

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