Restaurants, Take-Aways and Cafes

Cafes, Coffee Shops, Fish & Chip Shops, Milk Bars, Pizza Parlours, Restaurants, Take Away Foods (with or without deep frying)

Risk   Summary Of Cover
Fire & Defined Events Essential Covers assets (e.g. building, contents, machinery) against loss or damage caused by fire and defined events (e.g. water damage, storm, malicious damage). Flood cover generally not included
Business Interruption Essential Provides cover for loss of income, payroll and an increase in costs following a reduction in turnover or revenue caused by fire damage.
Burglary Recommended Cover is provided for loss or damage following forcible entry to premises.
Money Recommended Cover is for the loss of money or negotiable instruments
Glass Recommended Where glass is accidentally broken, cover is provided for the cost of replacing or fixing the glass.
General Property Optional Provides cover for the cost of repairing or replacing specified items that are accidentally lost or damaged. e.g. cameras, mobile phones, tools
Electronic Equipment Optional Provides cover for electrical, electronic and mechanical items (e.g. computers, faxes, printers, photocopiers) following loss or damage.
Machinery Breakdown Recommended Covers loss or damage to machinery as a result of breakdown. Spoilage of food following such a breakdown can also be covered.
Fidelity Guarantee Optional Covers losses sustained as a result of an act of fraud or dishonesty by employees
Public & Products Liability Essential Covers legal liability for injury to members of the public and damage to property arising from the business activities. Products liability covers liability for the distribution and/or sale or supply of products and services.
Professional Indemnity Not Required Covers liability for claims arising from breach of professional duty by reason of any negligent act, error or omission committed on the part of any person employed in the conduct of the business activities.
Personal Accident/Sickness Optional Provides cover following the accidental injury or illness of an insured person.
Worker's Compensation Compulsary if you employ staff A compulsory scheme for employers to cover employees injured in the course of their employment

 

General Advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on advice, consider its appropriateness. Consider our disclosure documents, which include our FSG and Product disclosure Statements (PDS) for some products.