Cover’s Covered

Insurance designed for food and drink based businesses, such as pubs, restaurants and Coffee Shops.

Running a pub or restaurant comes with its own unique challenges, and you’ll find our restaurant / pub insurance reflects them. That’s why, if you have Cover’s Covered, you’re protected if a member of the public slips up on your premises, or if one of your staff injures themselves, incidents which our research has found are both particular concerns for business owners working within a busy environment (for which they are legally liable).

We’ll also protect you against loss if you have to close your premises temporarily due to an insured event, for example due to storm, flood or fire.

If you serve food, your business insurance policy will need to take into consideration the risks associated with its cooking and preparation. Different varieties of food from basic sandwich preparation through to deep fat frying will have different requirements from an insurance point of view so it is important to tailor your policy adequately with the right features on top of your basic Public Liability insurance and Employers’ Liability insurance elements.

Whether you’re covering your liability to the public, staff or any money you keep on your premises or in transit to the bank, it’s essential you buy the right amount of cover.

That’s why we ensure our ‘Cover’s Covered’ product includes the enhanced cover for your type of business with the option to increase limits even further or add on other cover’s to suit your individual requirements and budget.

And if your circumstances change, such as taking on extra staff or altering your business activities, let us know and we’ll adapt your cover to your needs, and save you some money wherever we can.

With Cover’s Covered, you can choose to cover your buildings, contents or both against perils such as fire, theft, flood and malicious damage. Cover for your food and stock is also included, as well as Employers’ and Public Liability.

Whether you run a local village pub or have a chain of restaurants, our team of business insurance specialists will work with you to provide a pub or restaurant insurance solution that evolves with your business.

Typical policies include:

• Accidental damage
• Buildingsagainst perils such as fire, flood, escape of water, subsidence and damage caused by extreme weather.
• Increased limits on money and goods in transit
• Subsidence
• All risks on portable property
• Loss of license
• Terrorism
• Your business contents including food and stock while on your premises against perils such as fire, theft, flood and accidental damage, or in transit up to £5,000
• Employer’s Liability up to £10,000,000, Product Liability up to £5,000,000 and Public Liability up to £5,000,000
• Increased limits of indemnity on Public and Products Liability where requested
• Business interruption – cover for loss of income arising from interruption to your business as a result of an insured event such as a fire, theft or flood at your pub or restaurant
• The gardens or outdoor areas of your pub or restaurant including theft of outdoor equipment such as chairs, tables or outdoor heaters
• Money at your business premises, in transit and at home, excluding theft from unattended vehicles
• Personal belongings of your employees and pub or restaurant customers, excluding theft from unattended vehicles unless the item is out of sight and locked away
• Legal Expenses and uninsured losses following legal proceedings, such as costs incurred defending a claim against your business
• Loss of income up to £750,000

Working with a range of leading underwriters, we can provide you with pub or restaurant insurance that meets the changing needs of your business