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Our Business Restaurant Policy offers a wide range of cover
to suit virtually any type of restaurant. You choose the cover you need so that
your policy precisely suits your business. Click on any bullet below for a
brief, jargon-free description of the cover available.
Choose from:
 | Trade Contents
 | All contents which belong to you or for which you
are responsible including - stock in trade, goods held in trust,
machinery, shop fronts, fascias and blinds, fixtures and fittings,
furniture, decorations and tenants improvements. Tobacco, cigarettes,
wines and spirits are excluded unless cover is specifically requested
and included in the schedule. You will be required to pay a minimum of £250
towards the cost of every claim. |
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| Fixed Glass
| The breakage of windows, mirrors, showcases, glass
shelves, washbasins lavatories and other sanitary fittings. Plate glass
in shop fronts must be specifically insured. You will be required to pay
a minimum of £100 towards the cost of every claim. |
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| Loss of Money
| Cash, banknotes, cheques etc., up to a specified
value, which are lost, destroyed or damaged. This includes
damage to your strong room or safe as a result of a theft of money. This
excludes theft resulting from the actions of dishonest employees. You
will be required to pay a minimum of £150 towards the cost of every
claim. |
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| Deterioration of Stock
| The loss, destruction or damage of refrigerated
stock due to a breakdown of the refrigeration unit, a power cut or the
escape of refrigerant fumes. Freezers or refrigerators over 10
years old are excluded unless maintained by a recognised refrigeration
engineer.
This does not cover loss arising from the deliberate withholding of gas
or electricity by the supplier, or the result of a strike. |
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| Business Interruption
| Loss of income or increased cost of working arising
from a claim under your buildings or trade contents insurance, failure
of the public supply of gas, electricity or water (for a period in
excess of 4 hours) or temporary closure of your business by the police or
other authority. |
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| Employers Liability
| Legally required for businesses with
even one employee, this covers any damages payable to your employees for
illness, injury or disease caused in the course of their employment - up
to £10,000,000. |
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| Public / Products Liability
| Cover to provide for legal fees and any
compensation payments for which you become legally liable - up to £2,000,000.
You will be required to pay the first £250 of every claim for damage to
property. |
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| Buildings
| The buildings from which your business operates
including landlords fixtures and fittings, and walls, gates, fences,
outbuildings, extensions, annexes, car parks, yards, drives and
ornamental ponds. This excludes external signs, all fixed glass
and sanitary fittings (wash basins, lavatories etc.) You will be
required to pay the first £250 of every claim. |
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| Loss of Rent
| This covers rent that you must continue to pay even
though the premises you rent are unusable as the result of damage.
If you own the building, you can cover any reduction in rent that you
receive from tenants if the building is unusable as a result of damage.
Cover is for up to 12 months beginning from the date of the damage |
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| Loss of Licence
| The loss of value in your business or premises which
would result from the refusal of the licensing authority to renew the
licence for the sale of excisable liquors. The refusal must result
from causes outside your control and must not be due to changes in
planning requirements or the law. |
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The information on this page is for
guidance only. Excesses, conditions and exclusions apply. Full details will be sent with
your quotation. A copy of the full policy wording is available on request.
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