Restaurant Insurance UK, Café Insurance


Restaurant Insurance
Insurance for all types of eateries from fine dining to traditional café’s All risks cover including Accidental Damage for buildings and business contents and Stock. Unique combined package rated policy including Damage to Glass, Damage to Cables & Underground Pipes, Trace & Access, Landlords Fixtures and Fittings, Tenants Improvements, Computer & Electronic Equipment, Damage to Blinds & Signs, Goods in Transit, Theft of Keys, Loss of Money, Personal Accident - Assault, Freezer Contents, Seasonal Increase, Outside Catering, Property in the Open, Rent/Lease Payments cover, Temporary Removal of Documents, Damage to Property at Exhibitions, Loss of Metered Water, Damage to Landscaped Gardens, Business Interruption, Loss of Accounts Receivable, Employers Liability at Ł10,000,000.00, Public & Products Liability up to Ł5,000,000.00 Business Interruption including additional Denial Of Access cover, Notifiable Disease Cover, Vermin, Pests & Defective Sanitation, Murder or Suicide, Suppliers Cover up to Ł25,000.00, Failure of the Public Utility Supply. Guests Personal Effects, Cloakroom Cover, Outside Catering, Employees Personal Effects Loss of Liquor License Quotations available for risks up to Ł10,000,000 sum insured any one location Experienced underwriters on hand with authority for instant decisions Large no claims bonus available Multi location policies available Public Liability of up to Ł5,000,000.00 Employers Liability of up to Ł10,000,000.00 Work Away Cover

Obtaining a good quality Restaurant insurance package for your business is essential to help ensure the smooth running of your business. Restaurants come in all shapes and sizes but they will all have similar insurance needs, thus restaurant insurance on a package basis has been developed.

This type of insurance contract will cover most of the common perils that face this type of business. Most modern wordings are written to include a wide range of perils such as fires & floods etc with extended accidental damage available as an add on if required.

Policies are arranged in sections, some are compulsory; some are optional, depending on the needs of the particular owner. Buildings insurance is available for the proprietor that owns the building in which the business, is located. Many buildings are rented from landlords who will usually take responsibility to arrange the buildings insurance (and collect the premium accordingly). However, the landlord may expect you cover the “Shop Front” glass and any signs that you have erected to help advertise your business. These items can be added to the contents section of the policy and the amounts included in the sums insured, you may find however, that glass has its own section. Restaurant glass can be expensive to replace and as most sections come with a “specified sum insured” it’s a good idea to check, the limits on offer are adequate for your needs. The contents section of the policy is one of the most important sections, as it provides protections for your tangible assets such as the tables & chairs and all of the cooking equipment. Some business will have equipment in on hire, particularly ordering systems and sometimes credit/debit card machines. Under the terms of hire you may be responsible for the insurance of these items so a sum insured to take account of this should also be included. As well as your general contents, this section will also provided cover for your stock , which will include all of the perishable items as well as wines sprits and beers. Frozen food is usually dealt with under another section.

Restaurant package insurance also contains cover for Public Employers & Products Liability. Only Employers Liability is compulsory (you have to display a certificate where all member of staff are able to view it), however it is usual for all three to come together. There are a number of other sections of the policy covering; Business Interruption, Loss of Money, Loss of Licence, Personal Accident. Goods in Transit & Fidelity Insurance. Most of these covers are optional as is Legal Protection Insurance which can provide cover and advice against a wide variety of situations that face the restaurateur including : eemployment disputes & compensation awards, tax Protection, contract issues, health & safety, data protection, property protection and tenancy disputes.

Assetsure is an Appointed Representative of Intasure, a trading name of Blenheim Park Limited who are authorised and regulated by the Financial Services Authority. Assetsure Limited is an appointed representative of Highhouse Insurance Services Limited who are authorised and regulated by the Financial Services Authority.