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
Are you at risk of flooding?
Heat and fire risks.
You will need cover if you harm a customer by accidental poisoning or by a slip/fall, this cover is referred to as Liability Insurance and is applicable to staff in the form of Employers Liability and members of the public in the form of Public Liabiliy.
If the building burns down will your stock be covered?
If you are robbed will the cash in your till be covered?
Many policies contain small print which you can inadvertanly be in breach of and it prevent claims form being settled, our staff will talk to you and explain teh endorsements different insurers use and ensure you can operate inside the warranties and thus be fully 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.
Damage to fixed glass and fixed items of sanitary ware.