Restaurant insurance in Wells-next-the-Sea

Wells-next-the-Sea is a small harbour town on the north Norfolk coast, its quayside cafes and restaurants trading between the marsh and the sea. Sitting on the quay, they live with a tide that can, on occasion, come far higher than usual.

Where the risks come from for Wells-next-the-Sea restaurants

The east coast is exposed to tidal surge, when a storm and a high tide drive the North Sea over quays and defences, as the surge of December 2013 did along this coast. For a quayside restaurant, that means salt water through the premises, arriving fast and doing lasting harm.

A Wells-next-the-Sea example

A North Sea surge pushes water over the quay and into a Wells-next-the-Sea restaurant, flooding the dining room and kitchen with salt water. Flood cover meets the strip-out and reinstatement, and business interruption covers the closure while the premises dry and are refitted.

What restaurant insurance covers

For a quayside restaurant, the priorities are that tidal flood is covered and at what excess, then buildings and contents cover for the salt-water damage and a business-interruption period long enough for the repair. These sit with the stock and liability covers.

Placing it in Wells-next-the-Sea with Apex

Coastal-surge premises need an insurer who will weigh the defences and the history, and we know who will. Apex arranges Wells-next-the-Sea hospitality cover through one named broker. Regulated by the FCA; established 2009.

Related

• Public liability insurance Wells-next-the-Sea
• Employers liability insurance Wells-next-the-Sea
• Commercial vehicle insurance Wells-next-the-Sea
• Business insurance Wells-next-the-Sea