Running a busy pub or restaurant doesn’t leave much time for administration and finding the right insurance can be even more time-consuming.
So let us do the work. We’ll come out to discuss your requirements, research suitable policies and then recommend what we feel is right for you. But if you want to know more about the insurances you may need to consider, then have a look at the table below
We can help businesses in Bromsgrove, Evesham, Droitwich Spa, Redditch, Worcester, Warwickshire, West Midlands and further afield.
To insure the buildings against damage such as fire, storm, flood or escape of water.
Damage to your equipment at and/or away from the premises.
This can cover damage to equipment for example by, computer hacking or ransomware attacks.
To insure the business contents and stock against damage such as fire, theft or escape of water.
To cover loss of stock as a result of failure of the freezer unit.
To cover damage to fixed glass and sanitary fittings.
To cover damage or theft of stock in your own vehicles, for example on the way from a cash and carry.
To cover theft of money from the premises, in transit or the home of an authorised person.
This covers damage to your vehicles and your liability to third parties. Third party liability insurance is compulsory.
To cover lost income and the costs of keeping the business running following insured damage at the premises. Getting this cover wrong can result in business failure
Cyber insurance can cover loss of income following a data breach, denial of access or cyber attack.
Handling cash or valuable stock can result in theft by employees. This insurance will cover such events.
To provide legal advice and costs of pursuing or defending certain actions such as employment, contractual or property disputes.
To cover loss of income following the refusal to renew, or withdrawal of a licence.
If operating as a limited company this protects the personal assets of a director or senior employee following an allegation that they committed a wrongful act during the course of employment e.g. Health & Safety at Work, employment dispute or financial matters.
To cover legal defence costs and awards made against you arising from your liability at law for injury to your employees. This is compulsory.
Usually added to Directors’ & Officers’ Liability insurance, this protects the business in the event of an alleged wrongful employment act.
To cover legal defence costs and awards made against you arising from liability at law for injury to others or damage to their property arising out of your business activities (but not products supplied).
To cover legal defence costs and awards made against you arising from liability at law for injury to others or damage to their property arising out of products or services supplied by you.
To cover claims from third parties for damage to their systems, loss of money, business interruption, breach of copyright, penalties from regulator.
To provide a lump sum payment and/or regular weekly payments following permanent or temporary disablement as a result of an accident e.g. loss of an eye or a broken leg.
Ms CP, Sonographer, Eastbourne
Ms DM, Radiographer, Clacton on Sea
Victoria Fothergill, Sonographer, Nottingham
CH, Sonographer, Basingstoke
Julia Warne, Sonographer, Cheltenham
MB, Sonographer, Ilford
