Restaurants

Let us help you build your ideal policy

Our temporary hire services offer a flexible range of specialist sections of cover meaning you can select the most suitable elements of cover for you.

Our knowledgeable and experienced teams will work with you to build a bespoke policy to meet your needs.

Restaurants

Policy benefits

We've expanded our standard covers to give your clients the following protection as a minimum:

  • Leakage of Beverages
  • Guest Effects £10,000 any one guest and £100,000 any one incident
  • Seasonal increase of stock included to 55% of the stock sum insured
  • Outside Catering limit £5,000
  • Loss of Attraction up to limit of £50,000
  • Alternative Accommodation expenses for the insured and their family or employees permanently residing at the premises up to the limit stated in the schedule
  • Tronc Cover (gratuities) up to the lesser of 5% of estimated gross profit / revenue or the limit stated in the schedule
  • Full Theft cover – no forcible and violent entry/exit or violence requirement unless the premises are closed for business or if open for business left without at least one responsible person therein
  • Cover for Disease includes diseases occurring within 10 miles of the premises up to the limit stated in the schedule. Plus further cover if beach, coastal or inland waterway pollution at the premises or within 25 miles – up to the limit stated in the schedule
  • Cover for closure due to drains, sanitary arrangements, vermin or pests at premises – up to the limit of liability
  • Accidental failure of Public Supply/ Telecommunications up to £100,000
  • Further Investigation Expenses for establishing if any further damage up to £5,000
  • Loss of metered water extension now includes oil up to a limit of £25,000 with a 3-month indemnity period
  • Legionellosis aggregate annual limit of £100,000
  • Legal Expenses limit of £150,000

Higher limits available upon request.


Service benefits

  • Evidence of insurance sent to your customers
    A step-by-step process ensuring these documents are delivered on time to reduce delays and financial losses.
  • Evidence of suppliers cover checking & chasing
    We want to ensure that your cover and your suppliers cover hasn't got any hidden small print.
  • Direct access to decision makers
    Our senior team members have over 20 years experience giving them the knowledge they need to make informed, on-the-spot decisions.
  • Consistency of service
    Our aim is for you to deal with the same person or team throughout your time with us. We're very proud to have a very low staff turnover which enables us to achieve this.
  • Claims support
    We provide a full claims service with up-to-date technology for you to get on with what you do best, leaving us to do what we do best.
  • Whole of market negotiation strategy
    Price is important and we agree a strategy upfront to provide confidence that the whole of the accessible market is explored.
  • Transparency
    We can work on a fee structured basis to ensure that our pricing is competitive and inline with the services we provide for you.

Key features

A single insurance provider for premises and contracting requirements including, but not limited to:

  • Public Liability, Employers Liability, Professional Indemnity and Contractors All Risks cover
  • Instant documentation
  • Statement of fact basis available (no need for proposal forms)
  • Annual or single project cover
  • Enhanced policy limits and optional uplifts
  • Engineering and Legal Expenses
  • Credit Insurance

We provide a full FREE expert review to give you an informed decision on what you think is best for your business:

Material Damage

Employers’ Liability

Deterioration of Stock

Fidelity Guarantee

Business Interruption

Public Liability

a) Engineering Damage to Machinery and Plant
b) Engineering Inspection

Legal Expenses

Goods in Transit

Products Liability

Engineering Business Interruption

Personal Accident

Terrorism

Glass Breakage

Computer and Cyber

Household Contents

Loss of Business Money and Personal Accident (Assault)

Specified All Risks

Loss of Licence


Our client service charter

You will be assigned a dedicated account team through which our service will be delivered according to our core values:

With honesty and integrity, we will always aim to do the right thing for our team, our clients and our suppliers in a fair and just way in the hope of maintaining a long term commercial relationship.

Get A Quote

Complete our form and we'll work with you to tailor a package to suit your business.

Get in Touch

Unsure of the right product for you? Contact our Account Management Team now.

Our phone lines are open
Mon to Fri from 9:00 - 17:00