Running a restaurant can be a rewarding business, but it not without its risks. You may be frustrated by using the online comparisons and wish to speak to someone about your insurance needs. So at Town & Country we have become familiar with these risks and consider ourselves to be experts in establishing the right policies for the right businesses.
Why would you need cover?
To ensure that you are able to continue your business if something unexpected happens. We are skilled at evaluating risks such as your location.
Are you at risk of flooding?
The very nature of what the business is involves heat and fire risks.
You will need cover for if you harm a customer by accidental poisoning or by a slip/fall.
If the building burns down will your stock be covered?
If you are robbed will the cash in your till be covered?
Cover Options Available
Employers Liability - £10 million covering full or part time employees
Public & Products Liability - £2 million with the option to extend to £5 million or more.
Property & Stock Damage - covering your buildings, contents and stock to include accidental damage.
Directors & Officers - provides personal liability protection for directors and officers of your business, this again is an extension or sometimes a separate policy.
Deterioration of Stock
Legal expenses cover - Covers you for employment disputes, employment awards, health & safety prosecutions and tax enquiries and disputes
The Buildings & Contents of the Premises
Your contents (and if selected buildings) are insured against loss or damage caused by a standard range of insured risks normally associated with your trade including Accidental Damage. In addition cover is automatically extended to include:
Damage to Underground Services
Trace and Access costs
Removal of Debris costs
Architect and Surveyors Fees
Automatic Reinstatement of Sums Insured
Money and Personal Accident (Assault)
Covers your business money In transit, on premises during business hours,or in a bank night safe, in the business premises when closed for business or in the private dwelling.
Personal accident (assault)
Death, Loss of Limb(s), Loss of Eye(s), Permanent Total Disablement £10,000
Total uninterrupted Disablement (up to 104 weeks) £100 per week.
Damage to fixed glass and fixed items of sanitary ware.