Restaurant insurance in Yate

Yate grew rapidly in the post-war decades into a Bristol commuter town, and some of its commercial premises are of non-traditional construction, built with concrete, steel frames or system-built methods rather than brick and block. How a restaurant's building is built shapes how it can be insured.

Where the risks come from for Yate restaurants

Non-standard construction, certain concrete, steel-framed or prefabricated types, is treated cautiously by insurers, because it can be harder to repair, more prone to particular defects, and in some cases carries a known history of problems. Cover is available, but not from every insurer and not on standard terms.

A Yate example

A restaurant occupies a Yate unit of non-traditional concrete construction, and a standard policy will not cover it. Placed instead with an insurer who understands the construction type, the premises are covered properly, with a rebuild figure and terms that reflect how the building is actually built.

What restaurant insurance covers

For a non-standard building, the key is an insurer who will write the specific construction type on proper terms, with a rebuild figure reflecting the real cost of reinstating it. On that basis the standard perils, business interruption and the liabilities all respond.

Placing it in Yate with Apex

Non-traditional construction is a specialist placement, and we know which insurers will cover which types on fair terms. Apex arranges Yate hospitality cover through one named broker. Regulated by the FCA; established 2009.

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