Shop insurance in Weston-super-Mare
Weston-super-Mare is a Somerset seaside resort on the Bristol Channel, its retail from the Sovereign centre and the High Street down to the seafront and the Grand Pier, trading hard through the summer season.
Where the risks come from for Weston-super-Mare shops
The Bristol Channel gives Weston one of the largest tidal ranges in the world, and with it a real coastal and tidal-flood exposure — a high spring tide behind a storm surge can push sea water over the defences toward the low-lying seafront streets. The seasonal swing in stock and takings sits over that.
A Weston-super-Mare example
A seafront unit took salt water when a spring tide and a Channel surge overtopped the defences and ran into the low street; floor-level stock was lost and the salt made the clean-up and reinstatement slow. Coastal flood and business interruption were the claim.
What shop insurance covers
Flood cover against tide and surge sits with stock, contents and business interruption at the heart of a Weston-super-Mare shop policy. Public and products liability are included, employers' liability begins with your first member of staff, and glass and building cover attach under the lease.
Placing it in Weston-super-Mare with Apex
As an FCA-authorised independent broker (724952) broking since 2009, Apex arranges Weston-super-Mare shop cover through one contact. With over 30 markets and Lloyd's via wholesale channels, a Bristol Channel tidal-flood risk can be put to insurers who understand it.
Related
- Public liability insurance Weston-super-Mare
- Employers liability insurance Weston-super-Mare
- Commercial vehicle insurance Weston-super-Mare
- Business insurance Weston-super-Mare
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