SME Pubs, Wine Bars and Social Clubs Insurance

This is a package policy for public houses, wine bars, social clubs, sports clubs, restaurants and cafe aimed at both independent and franchised premises including single premises and portfolios.

Insured perils for buildings & contents

All risks cover is provided for your buildings (if applicable) and your trade contents & stock for the sums insured selected by you:-

Fire, explosion, lightning or earthquake

Storm or flood
Escape of water
Riot & civil commotion
Malicious damage
Impact
Leakage of oil from heating systems
Leakage of beer and/or other beverages
Theft by forcible and violent entry/exit
Full theft - for premises providing sleeping accommodation for paying guests, theft cover will not be subject to forcible and violent entry/exit
Accidental damage

Significant features and benefits

Standard benefits

Cover automatically includes the following extensions and most of the limits shown can be increased on request. The minimum cover can automatically increase depending on the size of your licensed premises:-

Standard benefit Minimum cover

Damage to fixed glass, premises fronts and sanitary fittings (Inner limits apply) £3,000

Damage to external blinds and signs £1,000
Loss or damage to goods in transit £3,000
Theft of keys including replacement of locks £1,000
Loss of money:-

in transit or night safe £3,000
during business hours £3,000
outside business hours in a locked safe £3,000
from the residence of a principal/employee £500
from gaming or vending machines £500
outside business hours not in a locked safe £500

Personal accident and assault following a robbery or hold up:-

Benefit for death, loss of any limbs or eyes £10,000
Benefit per week up to 2 years £100
Damage to cash carrying devices or personal effects £500
Loss of freezer contents £500

Seasonal increase for Stock at busy periods 30%

Outside catering - cover against injury to employees and the public and damage to their property including damage to your equipment £2,000

Damage to property in the open (e.g. picnic tables or garden benches) £500

Loss of metered water £2,500

Damage to landscaped gardens £1,000

Rent/lease payments as tenant if the licensed premises is untenantable from damage by a peril insured 20% of contents

Personal effects of guests £2,500 per guest

Business interruption cover following a claim £500,000

This cover helps to keep you in business following a claim. Automatic extensions of cover under business interruption include:-

professional accounts charges
notifiable disease
vermin pests and defective sanitation
murder or suicide
denial of access
damage to suppliers premises up to £25,000
failure of public supply
Loss of accounts receivable £10,000

Cover for money that is owed by customers which cannot be collected because records have been lost or damaged by a peril insured.

Employers liability £10,000,000

Cover for damages, legal costs and expenses for which you are liable as a result of injury to your employees including unsatisfied court judgements, additional persons insured and compensation for court attendance.

Public & Products liability £2,000,000

Cover against injury to the public and damage to their property and cover against liability arising from the sale or supply of goods.

Automatic extensions of cover under public & products liability include:-

cross liabilities
tenants liability
defective premises act
contingent motor liability
overseas personal liability
cloakroom liability £1,000
additional persons insured
compensation for court attendance

Legal expenses including:

Cover up to £100,000 per insured incident (inner limit of £2,000 for aspect enquiries and tax intervention enquiries).
Cover for contract disputes.
Cover for health & safety prosecutions.
Cover for data protection.
Cover for employment disputes & compensation awards.
Cover for criminal prosecution.
Cover for bodily injury.
Cover for property protection.
Cover for tax protection.
Cover for statutory licence protection.
Cover for tenancy disputes.
Free access to on-line business law service.
Free legal advice, tax advice and unfunded business assistance help lines.
Free counselling helpline for employees.

Loss of liquor licence £100,000

Cover against the depreciation in the value of your premises and subsequent loss of profit following loss of licence due to causes beyond your control.

Optional extensions

The following optional extensions of cover are available at an additional cost:-

Buildings cover including:-

damage to cables and underground pipes
trace and access cover up to £5,000 any one loss

Subsidence cover to your buildings and contents

Cover for subsidence or ground heave of the site on which the licensed premises stands or landslip.

Theft by employees

Cover against fraud or dishonesty by employees involving theft of money or contents. There are various limits of indemnity to choose from.

Specified all risks

Cover for items which you specify individually under the policy.
This extension will cover specified items away from the premises anywhere in the UK and for up to 30 consecutive days elsewhere in the world.

Terrorism Cover

Cover for terrorism under the buildings, contents and loss of income sections of the policy.

Household contents

Cover for household contents within the residential accommodation for the proposer or the resident manager or any of their family. A selection of sum insured amounts are available which include inner limits for personal effects such as jewellery and precious stones.

Public & Products Liability up to £10,000,000

Significant features

Automatic index linking at renewal to buildings, contents & specified all risks

Completion of a proposal form is not required

Third party interests can be noted provided we are informed

Definition of buildings

Wide definition including landlords fixtures and fittings therein and thereon, walls, gates and fences, yards, car parks and pavements, piping, ducting, cables, wires and associated control gear and accessories at the licensed premises and extending to the public mains but only to the extent of your responsibility.

Definition of contents

Wide definition including:-

computer and electronic office equipment, for which you are responsible, including laser printers, fax machines and photocopiers, but excluding stock in trade.
landlords fixtures and fittings, interior decorations, tenants improvements, and premises fronts for which you are responsible.
all other trade contents for which you are responsible including employees personal effects up to £500 any one employee, but excluding stock in trade.
Definition of stock in trade
Wide definition including goods in trust for which you are responsible pertaining to the business and contained in the licensed premises. Cigarettes/tobacco and wines/spirits can also be included under the stock figure.