Business Insurance for Restaurants, Public House & Wine Bars
A comprehensive package of cover for restaurants, pubs and wine bars.
- Contents and Business Interruption
- Money, PA Assault and Goods in Transit
- Employers Liability £10m
- Public and Products Liability for limits of £1M, £2M and £5M available
- Commercial Legal Expenses
What can the product offer you?
- Commercial Legal Expenses as standard
- Breakdown cover automatically included – comprehensive cover including £15,000 deterioration of stock cover, computer breakdown and machinery breakdown
- Residential accommodation – family and guest accommodation can be included
- Accidental Damage covered automatically
- Buildings cover and Subsidence options
- UK All Risks for Business Equipment option
- Option to add Theft by Employee cover
- Loss of Licence option
- Terrorism cover available
This product is designed for single location Restaurants, Wine Bars & Public Houses where:
- The total sum on trade contents and stock does not exceed £500,000.
- Turnover does not exceed £10M
- There is no manufacturing or processing undertaken at the Premises apart from the provision/preparation of food and drink.
- The Premises are in a good state of repair and are regularly maintained.
- All plant and machinery is in good order, properly guarded and fenced.
- You confirm that you meet all statutory obligations; including fire safety; Electrical Inspections; Health and Safety and COSHH (Control of substances hazardous to health) regulations, relating to the operation of your Business.
- There are no subsidiary companies to be included within this insurance.
- There are no current or ongoing or potential matters that will give rise to any legal or contractual disputes.
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