Restaurant insurance in Yeovil

Yeovil is a Somerset town long associated with aviation, sitting near naval air stations and the helicopter works, and some of its restaurants trade beneath the flight paths. For a handful of them, that setting brings an unusual peril out of the sky.

Where the risks come from for Yeovil restaurants

Premises near an airfield or under a flight path carry a small but genuine exposure to aircraft impact, and to articles falling from aircraft. It is rare, but when it happens the damage is sudden and serious, and it is exactly the kind of peril a full policy is meant to cover.

A Yeovil example

Debris falls from an aircraft over Yeovil and strikes the roof of a restaurant, causing structural damage and letting in the weather. Aircraft and aerial-object impact is a standard peril in a restaurant's buildings cover, so the reinstatement and any lost trade are met, however unusual the cause.

What restaurant insurance covers

Impact by aircraft and objects falling from them sits among the standard perils in buildings cover, alongside fire, storm, flood, escape of water and vehicle impact. Business interruption and the liabilities complete the cover, with the sum insured set to a full rebuild.

Placing it in Yeovil with Apex

We make sure the full range of standard perils is genuinely in place, the rare ones included, rather than quietly pared back. Apex arranges Yeovil hospitality cover through one named broker. FCA authorised; established 2009.

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