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Whether you're running a public house, a wine bar or a restaurant your business could be at risk from fire, theft, accidental damage and public and products liabilities, amongst others. After all, one small mistake could jeopardise your ability to earn an income.
Restaurant Insurance / Pub Insurance from Direct Line aims to cover you against each of these risks as part of its standard cover and then allows you to tailor your policy for your own purposes, adding optional extras or increasing cover levels to suit your particular business.
For full details, please refer to the Restaurant Insurance / Pub Insurance policy document, or read on for a guide to our cover: it's a good deal better!
Standard Cover
Trade Contents (including when in transit): cover for business contents and stock, fixtures and fittings, and the personal effects of employees and customers as a result of an insured peril such as fire, flood, theft and accidental damage. Cover is also provided for business contents when in transit.
Refrigerated Stock: up to £15,000 of cover for goods damaged as a result of the breakdown of freezer cabinets.
Loss of income & Loss of book debts: our standard policy includes cover for loss of income following an insured loss up to £500,000. This amount can be increased if necessary.
Public & products liability: up to £2m of cover for compensation payable arising from injury to third parties or damage to their property caused by you in the course of your business and for which you are held legally liable. You can increase the limit of cover to £5m if required.
Employers' liability: up to £10m of cover against compensation claims by your employees injured in the course of employment by you where you are held legally liable, as well as expenses and legal costs arising from such an injury.
Glass & Fixed Signs: cover against breakage to glass, sanitary ware, any boarding up costs, plus cover against damage to fixed signs.
Loss of Money: cover against loss of money when in transit, in a bank night safe, on the premises, or in the home of a business principal or employee.
Personal Accident Assault: benefits are payable in the event of bodily injury to you or your employees as a result of robbery. Includes up to £500 of cover against damage to personal effects.
Equipment Breakdown: cover against direct physical damage to trade equipment resulting from breakdown, collapse or events such as boiler explosions.
Optional Covers
Buildings: cover against damage to the buildings at the premises to be insured from perils such as fire, flood, theft and accidental damage.
Portable Equipment: UK, EU or worldwide cover for specified portable items that will be used away from the business premises.
Loss of Liquor Licence: cover against loss of income, additional expenses, reduction in the value of your premises and/or business.
Personal Accident: cover against an unfortunate accident to specified person(s) within your business.
Household Contents: cover for Household Contents within your premises. Your policy can also be extended to include Household Contents (including pedal cycles) whilst away from your premises (up to £1,500 any one item). Interested? Why not get a Restaurant Insurance / Pub Insurance quote!
Terrorism Insurance: if you would like to add cover against damage to property and loss of income as a result of an act of terrorism to your Pub & Restaurant Insurance please call us on 0845 301 4827.
Need more information? See our policy document.
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