Restaurant insurance in Winchester

Winchester is an affluent historic city in the chalk valley of the Itchen, and its restaurants trade close to some of England's clearest water. That chalk brings a form of flooding most restaurateurs have never heard of.

Where the risks come from for Winchester restaurants

In a chalk valley, a very wet winter can raise the groundwater until it emerges from the ground itself, seeping up through floors and into cellars over weeks, rather than a river overtopping in hours. Groundwater flooding is slow, persistent and hard to keep out, and it is not always covered like ordinary flood.

A Winchester example

After a long, wet winter, groundwater rises until it seeps up through the floor of a Winchester restaurant's cellar and kitchen, persisting for weeks. Where the policy covers groundwater as well as surface and river flooding, the damage and the long drying are met, which a narrow flood definition might exclude.

What restaurant insurance covers

For a restaurant in a chalk valley, it is worth checking that flood cover extends to groundwater and rising water tables, not just rivers and surface water. Business interruption, a long enough indemnity for a slow event, and the standard covers complete it.

Placing it in Winchester with Apex

We check exactly how flood is defined on the policy, because in chalk country groundwater is the risk a standard wording can miss. Apex arranges Winchester hospitality cover through one named broker. FCA authorised; established 2009.

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