businessinsure
Public House Insurance
Public House Insurance Package Policy Summary of Cover
quoteline 08456 024 589
Trade, Business or Public House 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
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
The following is a summary of the insurance cover available on a UK insurers
public house insurance or pub insurance package policy. This is an example
of one insurance companies policy.
Many insurers offer similar public house insurance or pub insurance package
policies and the insurance cover will be similar. However, please note that
most policies will differ in many ways. For example different excesses, terms, conditions, warranties and exclusions.
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.
