Restaurants, takeaways, pubs, guest houses

Hospitality & Leisure

Wide All Risks basis of cover for small and medium hospitality businesses.

Summary

Our cover is a specially designed package underwritten by A-rated insurers for individual or multi-location eating, drinking and hospitality premises with standard package covers plus trade specific extensions.

We can provide cover for:

  • Guest Houses
  • Hotels
  • Fish & Chip Shops
  • Take-Away’s
  • Restaurants
  • Cafes
  • Public Houses with or without some accommodation
  • Themed pubs
  • Wine bars

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Your expert team

You can access our knowledgeable underwriters directly to discuss your clients’ needs.

New business
Sinead O’Brien
01923 298 446
sinead.obrien@t-u-l.co.uk
Renewals
Richard Foster
01923 298 429
richard.foster@t-u-l.co.uk

Key documents

Policy wording

Policy overview (IDD Compliant)

Features

  • Employers Liability (£10,000,000)
  • Public/Products Liability (£2,000,000 )
  • Goods in transit (£2,000)
  • Business Interruption (£500,000)
  • Money (£3,000 on premises during business hours and £1,000 in safe)
  • Deterioration of refrigerated stock (£2,000)
  • Loss of licence (£100,000).

(Increased limits are available on request)

Additional cover

Special Extensions within the policy wording include:

  • Theft cover without forcible & violent entry/exit (unless a public house with letting rooms)
  • Accidental damage
  • 25% seasonal increase.

Our Niche Hotel, Pub and Restaurant insurance policy can also be extended to include:

  • Terrorism Cover
  • All Risks Items
  • Public/Products Liability up to £10,000,000
  • Buildings

Target business

 

 

  • Individual or multi-location eating, drinking and hospitality premises
  • Small and Medium sized hospitality businesses
  • Minimum Food Hygiene Rating of 3 or Pass in Scotland
    (www.scoresonthedoors.org.uk)
  • Fire suppression in kitchens
  • Non-City centre public houses with limited use of entertainment, late licence and door supervisors
  • Proven claims record
  • Risks with proven Risk Management and Health & Safety cultures
  • Family orientated with positive on-line/social media reviews

 

 

Other leisure risks can be looked at outside of the Niche Hotel Pub & Restaurant Scheme. Visit our Leisure Trades product page, or contact us directly.

Decline trades

 

  • Nightclubs
  • Fun Pubs/Bars with:
    • Live music
    • Dance Floor
    • Door staff
    • Extensive entertainment (more than twice a week)
    • Inner City Locations
  • Shisha Bars and Lounges
  • Poor claims record
  • Venues in extreme Arson &/or Crime areas
  • Thatched risks
  • Grade I Listed Properties

 

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