Shop insurance in Truro

Truro is Cornwall's cathedral city and commercial capital, its retail around Lemon Quay, Pydar Street and the Lemon Street quarter, serving the whole of central Cornwall. The city sits at the tidal head of the Truro and Fal rivers.

Where the risks come from for Truro shops

Truro's position at a tidal river head gives it a distinct flood exposure — a high spring tide behind heavy rain can back up the rivers and reach Lemon Quay and the lower streets, salt water rather than fresh. The retail and tourist footfall sit over that base.

A Truro example

A Lemon Quay unit took tidal water when a spring tide met heavy rain and the rivers backed up into the lower city; floor-stored stock was lost and the salt slowed the clean-up and reinstatement. Tidal flood and business interruption were the claim.

What shop insurance covers

Flood cover — tidal as much as fluvial — sits with stock, contents and business interruption at the heart of a Truro shop policy. Cover for public injury and for products sold is standard, employers' liability applies with staff, and money, glass and building cover attach under the lease.

Placing it in Truro with Apex

Broking since 2009 and FCA-authorised under 724952, Apex insures Truro shops through one named broker. With over 30 markets and Lloyd's via wholesale channels, a tidal-flood risk at the river head can be put to insurers who understand it.

Related

• Public liability insurance Truro
• Employers liability insurance Truro
• Commercial vehicle insurance Truro
• Business insurance Truro