Restaurants

Common covers are:

• Buildings Insurance

  Protects you from the costs of damage caused to your building by a range of risks such as fire, malicious damage or flooding.

• Public Liability

  Covers your legal responsibility for injury caused to the public or damage to their property due to fault of you or your staff.

• Employers’ Liability

  Required by law if you have any employees and protects your legal responsibility for accidental death or bodily injury caused to your employees arising out of activities connected to your business.

• Products Liability

  Protects your legal liability for injury or damage caused to the public arising from the supply of goods in connection with your business.

• Business Interruption

  Provides financial assistance for an agreed period of time for business overheads that result from considerable interruption to your trading following a fire or other major insured peril.

• Contents/Stock Cover

  Protects your contents/stock from theft or being destroyed by a range of risks such as refridgeration failure, fire, malicious damage or flood.

• Money Cover

  Covers theft of money from your premises or whilst in transit to or from your bank.

• Glass Cover

  Provides cover for the replacement of broken or damaged glass caused to your business including shop front, windows and glass in display cabinets.

• Equipment Breakdown

  Provides cover for equipment such as computers, electronic equipment, refrigeration equipment, air conditioning, telecommunications, lifts, machinery, cash registers, boilers and audio equipment.

• Loss of Licence

  Loss of Licence cover, under qualifying circumstances, will provide cover for any reduction in the value of your business or premises following the loss of licence.