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Why choose us

• We provide specialist and tailored insurance packages including restaurant insurance, bar insurance, cafe insurance, pub insurance, hotel insurance and bed & breakfast insurance
• You will get a bespoke policy that ensures you only pay for the cover you need
• We understand the business of running your sort of establishment and know where life can spring unpleasant surprises
• We can usually provide your cover and documents the same day
• Choose how you pay, either up front or in instalments for no extra cost

What’s included in our Restaurants, Bars & Pubs Insurance policies

• Contents and business interruption
• Employers’ liability insurance for hotels, bars, pubs or restaurants (against claims from your staff) of up to £10 million
• Public and products liability protection for bars, pubs, hotels or restaurants(against claims from third parties) of up to £2 million
• Commercial legal expenses cover for pubs, bars, hotels or restaurants
• Optional protection against theft by employees, loss of licence protection & more

Restaurants, Bars, Hotels and Pubs – why are you vulnerable?

Vulnerability may arise for a number of reasons, just a selection may include:

- The mixing together of alcohol and people causing a wide variety of problems

- Assaults on staff

- Theft

- If you’re preparing and serving food, your customers may decide that they’ve suffered health issues arising from the consumption of your products

- Staff may be injured while progressing their legitimate duties

- The traditional problems associated with some forms of natural disaster that may render your business temporarily incapable of operating

In all of these situations, plus many others, your staff and employees may hold you legally accountable – and a court may agree.

In other situations, you may have suffered serious stock losses as well as a loss of income.

Of course we cannot stop any of these things happening to you but we can help you to find an insurance policy that provides the right financial protection for your specific restaurant, pub, hotel, b&b or bar.

Optional business insurance protection extras

Just a sample of the benefits provided by our basic product includes things such as:

- Contents and business interruption

- Employers’ liability insurance for hotels, bars, pubs or restaurants (against claims from your staff) of up to £10 million

- Public and products liability protection for bars, pubs, hotels or restaurants(against claims from third parties) of up to £2 million

- Commercial legal expenses cover for pubs, bars, hotels or restaurants

In addition to the basic product we can add additional restaurants, pubs and bars cover for specific risks that may apply in your circumstances and to your establishment. In effect, we can tailor make the business insurance cover to meet your needs. These additional elements of cover may include:

- Theft by employees

- Loss of licence protection

- Residential accommodation protection for your family and guests

- Terrorism

- Breakdown cover

- Buildings cover and options for subsidence protection

This is just a summary and we’d welcome the chance to explain any of these optional extras in more detail.

We understand your business is important

Just as your customers may think of your premises as being exclusively associated with leisure – others may think that running restaurants and bars is easy.

You know otherwise!

If you’d like to protect the investment of all your hard work and capital, then it may make sense to think the unthinkable and try to imagine how you’d cope in the event of a disaster.

Perhaps you’re in the fortunate position of having very large capital reserves available and therefore wouldn’t be too worried if some of the above things happened to you.

If that’s not the case though, it might be wise to spend a little time looking at our insurance products. Call us now for a quote on 0161 968 2041.