Pub & Restaurant
Our Pub & Restaurant policy is designed for pubs, wine bars, social clubs and restaurants.
Key Selling Points
- Introductory no claim discount available at new business
- No claim discount available at renewal
- Minimum premiums from £300
- Standard excess of £200 for Trade Contents and Buildings with an option to vary
Features
- Loss of Income included as standard
- Engineering breakdown covers essential items such as lifts, boilers, kitchen appliances and air conditioning systems
- Free 24 hour advice lines for health and medical assistance, emergency assistance, glazing, legal advice and stress counselling
- Up to £15,000 cover for frozen or chilled foods and up to £5,000 for any other perishable goods
- Access to a dedicated risk management service
- Option to add accidental damage to Buildings and Trade Contents
- Stock increased by 55% during December and January and for a period of 15 days preceding and including any Bank or Public Holidays other than occurring in the period in December and January and for a period of 15 days thereafter
Preferred Risk
- Café
- Independent Public House
- Managed Public House
- Tenanted Public House
- Licensed Restaurant
- Unlicensed Restaurant
- Wine Bar
- Social Clubs
Standard Covers
| Cover | Maximum Limit |
|---|---|
| Trade Contents | £500,000 |
| Public/Products Liability | £5,000,000 (£2,000,000) |
| Employers Liability | £10,000,000 |
| Loss of Income | £750,000 (£500,000) |
| Glass | Unlimited |
| Goods In Transit | £5,000 (£2,000) |
| Fixed Signs | £1,000 |
| Money | £12,000 (£5,000) |
| Personal Accident (Assault) | Capital Benefits £10,000 |
Optional Covers
| Cover | Maximum Limit (up to) |
|---|---|
| Buildings | £3,000,000 |
| Specified All Risks | £10,000* |
| Loss of Licence | £250,000 |
| Personal Accident | Capital Benefits £50,000 |
| Household Contents | £50,000 |
* higher limits available on request
The amount in brackets denotes the standard limit provided.
This is a summary of the cover available. Please refer to the Policy Booklet for full terms and conditions.
