Restaurant insurance

Restaurants – European

Restaurants – Asian

Restaurants – Far East

Restaurants – Rest of World

Fish and Chip Retailers – Seating only

Fish and Chip Retailers – Take Away only

Fish and Chip Retailers – Seating and Take Away

European Food – Seating only

European Food – Take Away only

European Food – Seating and Take Away

Asian Food – Seating only

Asian Food – Take Away only

Asian Food – Seating and Take Away

Far East – Seating only

Far East – Take Away only

Far East – Seating and Take Away

Cafes – including cooking on premises

Cafes – excluding cooking on premises

Trade or Business Contents

• Available on a “Specified Contingencies” or an “All Risks” basis
• Subsidence is available as an option in most cases

Liabilities

Employers’ Liability, indemnity limit up to £10 Million (inclusive of legal costs) unless otherwise shown on the schedule

• Public Liability, indemnity limit up to £2 Million (any one occurrence) unless otherwise shown on the schedule
• Products Liability, indemnity limit £2M (in total during any one period of insurance) unless otherwise shown on the schedule

Loss of Income and Loss of Book Debts

• Cover for Loss of Income up to £500,000
• Up to 2 years indemnity period
• Loss of Book Debts up to £10,000
• Cover follows the Trade Contents section

Glass

Breakage of fixed glass and sanitaryware

• Reasonable boarding up costs

All Risks on Fixed Signs

“All Risks” on signs and nameplates (up to £1,000)

Goods in Transit

Trade Contents whilst in transit by vehicles owned, hired or leased by You

• Up to £2,000 on hotel contents
• Up to £750 for cigarettes, tobacco, wines and spirits

Money

Loss of Money

• in transit
• In a bank night safe
• In Your home, or that of your partners, directors or employees
• In Your premises

Personal Accident (Assault)

Benefits are payable for injury sustained during robbery or attempted robbery resulting in

• Death
• Loss of limbs or sight
• Permanent total disablement
• Temporary total disablement
• Temporary partial disablement
• Incurred medical expenses

Optional Extensions

Accidental Damage to Machinery & Apparatus

• Accidental damage to specified business machines and apparatus

Loss of Frozen Foodstuffs

Deterioration of frozen foods in frozen food cabinets, deep freezers, cold rooms, or cold stores due to change in temperature

The Structure

Cover follows that chosen under the Trade Contents section

Loss of Licence

Loss of an excisable liquor licence from causes beyond Your control giving rise to:

• reduction in gross income
• Reasonable additional expenses incurred in maintaining Your gross income
• Reduction in the value of Your premises and/or business
• Other costs and expenses incurred by You with Our written consent
• Auditors or accountants charges incurred whilst dealing with a claim

The following is a summary of the insurance cover available on a UK insurers restaurant insurance, cafe insurance, fast food insurance, fish and chip shop insurance and/or take away insurance package policy. This is an example of one insurance companies policy.

Many insurers offer similar restaurant insurance, cafe insurance, fast food insurance, fish and chip shop insurance package policies and the insurance cover will be broadly the same. However, please note that most policies will differ in many ways. This could be because of different excess amounts or different conditions or warranties or terms within the restaurant insurance, cafe insurance, fast food insurance, fish and chip shop insurance policy.

You should always ask for your business insurance quotation in writing and ensure that you read through the terms, conditions, warranties, exclusions, excesses and sums insured fully before accepting any insurance quotation.

The old adage “the cheapest is not necessarily the best” is certainly true for business insurance and commercial insurance. Businessinsure will always provide you with a full written quotation based on your insurance requirements that we have discussed. Whilst we can advise you that we feel a quotation is suitable for you, you should always ensure that any business insurance quotation that we provide to you provides adequate insurance protection for your business.
Package restaurant insurance, cafe insurance, fast food insurance, fish and chip shop insurance and/or take away insurance business package policy cover summary

Personal Accident

24 hour cover for specified employees suffering bodily injury up to maximum of 5 units of cover. 1 unit is:-

• Death, permanent total disablement, loss of eyes, hands or feet – £10,000
• Disablement from usual occupation – £50 per week (max. 104 weeks)

Household Contents – “All Risks”

• All risks” on Household Contents belonging to You or the resident manager or any of

their family within the residential portion of Your premises