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This product is designed to cater for Restaurants, Hotels, Guest Houses, B&Bs, Cafés, Takeaways, Public Houses, Wine Bars, Fish & Chip Shops (up to 50 seats)
  • Acceptable Trades
  • Limits
  • Excesses

All types of Restaurants and Cafés subject to a Food Hygiene Rating of 2 or more (scores on the doors) provided there are no dancing activities, no nightclubs and/or children's play equipment/area; Independent Hotels (with minimum of 3 stars, Hotel Silver Award or AA Associate Recognition or TripAdvisor Reviews), where manager has 5 years'+ experience in the hotel trade, there is a 24 hour porter/night manager, and no more than 250 functions a year (no discos or external nightclub within premises; gyms and swimming pools are acceptable); all types of Takeaways subject to a Food Hygiene Rating of 2 or more with a terminal hour no later than 3am (Fish and Chip Shops acceptable including internal seating if fewer than 50 seats); Public Houses/Wine Bars where 35% of turnover is derived from food receipts, subject to a Food Hygiene Rating of 2 or more, with a terminal hour no later than 3 am (no discos, dance floors, or live music, no bouncy castles, no indoor children's play equipment/area, no Night Clubs).

Maximum combined material damage and business interruption sum insured must not exceed GBP 5,000,000 any one location
Core Package Limits  
Business Interruption GBP 500,000
Glass GBP unlimited
Freezer Stock GBP 2,000
Goods in Transit GBP 2,000
Money in Transit GBP 2,000
Money in Premises
(when attended and open for business)
GBP 2,000
Money in Locked Safe GBP 500
All other Money GBP 250
Public Liability GBP 2,000,000 -
option to increase to GBP 5,000,000
Products' Liability GBP 2,000,000 –option to increase to GBP 5,000,000
Employers' Liability GBP 10,000,000
Legal Expenses GBP 100,000
Loss of Licence GBP 100,000

All claims other than Subsidence, Business Interruption and Public Liability GBP 250; Subsidence GBP 1,000; Public Liability between GBP 500 and GBP 2,500 depending on nature of activities.


Core package limits can be increased subject to underwriting






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Registered Office: 39 Malmains Way, Beckenham, Kent BR3 6SB
Registerd in England Number: 06687940

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