Restaurant & Bars Insurance

Our Complete Retailer restaurant and bars policy is aimed at businesses working in the hospitality industry who:

• Work from a single premises
• Own or rent their premises 
• Have 4 or less guest rooms in their premises
• Don't offer entertainment more than twice a month
• Are licensed or unlicensed
  

So whether you’re a restaurateur, café owner, publican or retailer, this could be the package for you.

Complete Retailer Insurance offers essential protection, with liability cover offered as standard to protect your product, your employees’ and your customers, so you can trade knowing you’re protected.

If this product does not meet your requirements, you own a hotel, or you need to cover more than one venue, please call the Allianz Business Insurance Centre today to discuss your needs on 0800 048 1669.

   

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

For some trades, cover is unavailable online. If your trade is not listed in the drop down box in the 'Your Business' section when you click through to get a quote, please call the Business Insurance Centre on  0800 048 1669.

Key Features:

• Employer’s Liability – covering compensation claims from employees, up to £10m
• Public Liability - £2m as standard or £5m for some businesses
  Products Liability – set as £2m as standard, with the option to increase to £5m
• Trade Contents–select cover up to £500,000 for your contents and stock (excludes storm and flood damage to movable items left in the open)
• Money and Personal assault – up to £3,000 (excludes loss from unattended vehicles & assault on persons under 16 or over 70)
• Goods in Transit - £2,500 as standard with the option to increase to £10,000 (excludes some items e.g. glass, documents and livestock)
• Deterioration of Stock – up to £1,000 total, in up to 5 cold chambers or freezers (higher levels available on request)
• Business interruption – up to £600,000 for loss of gross profit and reasonable expenses incurred as a result of an insured incident. Cover lasts for up to 24 months while you get your business up and running again
• Legal Expenses – covering costs of legal disputes up to £100,000 in relation to the business

with options to add:

• Buildings cover – cover for your premises, including subsidence cover
• Loss of license -  covers loss of profits or a decrease in value to your premises up to £250k caused by the loss of your entertainment or liquor license
• Terrorism – covers damage to your property as a result of terrorism up to the sums insured
  

For further details of the significant benefits and exclusions that apply, please take a look at the Complete Retailer Policy Summary Document or for full details of all the terms and conditions the Complete Retailer Policy Wording Document before you buy.Terms and conditions apply to the benefits listed.

If this product does not meet your requirements call the Business Insurance Centre on 0800 048 1669.

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Complete Retailer Restaurants and Bars Core Cover

• Contents up to £500,000
• Money and Personal Assault up to £10,000 (age limits of 16 to 70 apply for assault)
• Goods In Transit with flexible options up to £10,000 (security restrictions apply for amounts over £2,500)
• Deterioration of Stock up to £5,000
• Business Interruption with £600,000 standard cover
• Employers Liability £10m standard cover (reduced to £5m in the case of terrorism)
• Public Liability with flexible options up to £5m
• Products Liability with flexible options up to £5m
• Legal Expenses £100,000 standard cover

Optional Covers

• Buildings up to £1m
• Loss of license up to £250,000
• Terrorism

Included within your policy are a range of additional benefits

• 24 hour Legal Advice Helpline

• 24 hour Glass Replacement
• Online Legal Support
• Business Advice Helpline

For further details of the significant benefits and exclusions that apply, please take a look at the Complete Retailer Policy Summary Document or for full details of all the terms and conditions the Complete Retailer Policy Wording Document before you buy. Terms and conditions apply to the benefits listed.

   

If this product does not meet your requirements call the Business Insurance Centre on 0800 048 1669.

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.

Below are some of the most commonly asked questions about our Complete Retailer Restaurants and Bars Insurance. If you have any specific questions, or this package doesn’t meet your requirements, you can call the Business Insurance Centre on 0800 048 1669.
Q: How long is a quote valid for?
The quote will remain valid for up to 60 days from the quote date.
Q: How far in advance can I get a quote?
You can get a quote anytime, but it expires after 60 days, so it’s best to get one no more than 60 days before you need cover to start.
Q: What if I don't know the date of a previous claim when completing the application?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you require.
Q: What if I don't know the amount of  a previous claim when completing the application?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you require.
Q: How many claims can I have had previously?
In order to get an online quote your business must not have been subject to more than two incidents, losses or claims (or the total value of all claims must not exceed £5,000) within the past three years. If this is not the case you may still be able to receive a quotation but you will need to call the Business Insurance Centre on 0800 048 1669.
Q: What are the exclusions on this policy?
The full list of exclusions, as well as full terms and conditions, can be found in the Complete Retailer Policy Wording Document. Alternatively a summary of the significant exclusions can be found in the Complete Retailer Policy Summary Document. In addition, when you buy, any additional exclusions or conditions specific to you will be explained, and then detailed in your policy schedule.
Q: What are the standard excesses?
The main standard excesses on this product vary by section as follows:
Contents - £250 (£500 for new ventures)
Buildings - £250 (£1000 for subsidence claims)
For full details please refer to the Complete Retailer Policy Summary Document.
Q: What is public liability cover?
Public liability is designed to cover you against your legal liability in connection with your business to pay compensation and claimants costs and expenses in respect of accidental injury to any person or damage to material property. Please note that it does not provide cover in respect of injury to your own employees - this will require Employers' Liability
Q: What is employer's liability cover?
Employers' Liability is designed to cover you against your legal liability to pay compensation and claimant's costs in respect of injury and disease sustained by any of your employees undertaking work in connection with your business. Please note that most employers are required by law to have employers' liability insurance. Further advice can be found in the Health and Safety Executive guide (HSE40) which can be found here http://www.hse.gov.uk/pubns/hse40.pdf 
Q: What if my trade is not on the list?
If you can not find your trade on the list please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important not to choose another trade as this may invalidate your policy or result in a claim not being paid.
Q: What do I do if I have multiple trades?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call the Business Insurance Centre on 0800 048 1669 for further help. It is important that all your activities are advised to the business insurance centre as otherwise it may invalidate your policy or result in a claim not being paid.
Q: How many trades can I have on this policy?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call the Business Insurance Centre on 0800 048 1669 for further help. It is important that all your activities are advised to the Business Insurance Centre as otherwise it may invalidate your policy or result in a claim not being paid.
Q: What covers are available under this product?
The following covers are available:
Trade Contents
Money & Personal Assault
Goods in Transit
Deterioration of Stock
Business Interruption (including Book Debts)
Employers Liability
Public & Products Liability
Buildings
Loss of Licence
Legal Expenses
Terrorism
Q: I employ more than 10 people, can you cover me?
There is no limit on the number of staff you can employ under this policy.
Q: Can I get cover if I am a tenant in the property where I run my business?
Yes, Complete Retailer  Insurance can cover you.
Q: What minimum level of security must my building have?
The minimum level of security you must have in place is detailed in the Complete Retailer Policy Wording Document. In addition, based on your specific details you may be required to install an intruder alarm - this will be shown in your quote.
Q: How will I know what security my building will need?
The minimum level of security you must have in place is detailed in the Complete Retailer Policy Wording Document. In addition, based on your specific details you may be required to install an intruder alarm - this will be shown in your quote.
Q: I don't have an alarm on my property can I still get insurance?
You may not need to have an alarm on your property - this will be based on your specific details. Your quote will detail whether you are required to install one.
Q: If I don't select a certain cover on my policy now, can I add it later in the year?
Yes, providing any acceptance criteria are met.
Q: I have some specialist equipment in my premises for my occupation, can I list this somewhere on my policy so I know it is covered?
Should you wish to have any specialist items listed on your policy please call the Business insurance Centre on 0800 048 1669 for further help.
Q: What is the maximum number of staff I can employ?
There is no limit on the number of staff you can employ under this policy.
Q: If I use a private vehicle to pick up stock is it covered in transit?
Yes providing the vehicle is owned by you. The policy offers £2,500 cover for goods in transit as standard - you may choose a higher level if required. Some high risk goods are not covered, such as glass, documents and livestock – please read the Complete Retailer Policy Wording Document carefully to ensure you will be covered. 
Q: Am I covered for loss of refrigerated stock due to electrical failure (outside of my control)?
Cover is provided under the deterioration of stock section. The policy provides £1,000 of cover as standard, for stock in up to 5 cold chambers or freezers, but you can increase this limit if necessary. Freezers and cold chambers over 10 years old will require a maintenance contract.
Q: Can you cover my van under the Restaurant and Bars policy?
This cover can not be included under the Complete Retailer policy. You can insure your van separately under the Commercial Vehicle policy.
Q: I have guest rooms in my Pub, should I cover this under another policy?
Providing you do not have more than four guest rooms the Complete Retailer package can be used. Should you have more than four guest rooms you will need to call the Business Insurance Centre on 0800 048 1669 for a quote
Q: Is there a limit on the number of covers your Restaurant and Bars policy will insure?
No, there is not a limit on the number of covers you can have.
Q: I have a function room in my pub, are there any restrictions on the type of function I am covered for?
We are likely to accept the majority of functions, but there may be some exceptions. If you have any doubts about the intended use then please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: Are fruit machines and pool tables covered under your Restaurant and Bars policy?
Yes - providing the value of the equipment has been included in the sum insured you give to the Business Insurance Centre, under the contents section, cover for these machines is given. The money inside the machines will be covered under the money section, although there is a limit on the amount of cash that is covered out of business hours that is not stored in a safe.
Q: We cook certain dishes tableside in our restaurant, am I covered for this?
Yes this would be covered.
Q: We hold public BBQs in the beer garden in the summer, is this covered?
Yes. Cover in respect of your legal liability for injury to third parties would be covered; however, there is no cover for the equipment itself.
Q: Our restaurant has outside tables, will this affect the policy?
This would not affect your cover, however, please note that any furniture left outside the premises is not insured under this policy.
Q: Can I cover more than one premise on your Restaurants and Bars policy?
The online Complete Retailer Restaurants and Bar Insurance policy can only cover a single location. Should you require cover for more than one premises please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: If I obtain an extended licence (past 12am) several times a year, will I still be covered?
Unless the licence is for Christmas Eve or New Years Eve it is important to let the business insurance centre know. Please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: Are children's play areas covered under your policy?
Yes. Cover in respect of your legal liability for injury to third parties would be covered, however, there is no cover for the equipment itself.
Q: What sort of entertainment is covered under your Restaurant and Bars policy?
Providing the entertainment is not hazardous (e.g. firework or pyrotechnic displays, bar fly, bouncy castles), it will be covered. Should you have any doubts about a proposed activity it is important to call the Business Insurance Centre on 0800 048 1669 for further help.
Q: If I made an insurance claim at the previous pub I owned, do I need to declare it here?
Yes - It is important that you provide details in respect of any previous claims within the last 5 years as failure to do so may invalidate your policy or result in a claim not being paid.

Get a quote today

Getting a Complete Retailer Restaurants and Bars quote is simple. You can even do it all online by following the straightforward online process, receiving your quote soon after submitting your request.

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc.

What will you need?

• The address your business operates from
• The trading name of your company
• The number and amount of any previous claims
• The date you wish the cover to start from

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

   

If this product does not meet your requirements call the Business Insurance Centre on 0800 048 1669.

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

For further details of the significant benefits and exclusions that apply, please take a look at the Complete Retailer Policy Summary Document or for full details of all the terms and conditions the Complete Retailer Policy Wording Document before you buy. Terms and conditions apply to the benefits listed.

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.