Your Wine Bar insurance policy will be a package and will include policies to suit your companies requirements, this is how we are able to provide you with better rates as we do not automatically assume that all or nothing applies to your business such as the provision of food, music, dance floors, do you have door staff and your times of business. We make sure we take the details on all of you associated risk so our Business Insurance for Wine Bar cover will have the best policy wording and the cheapest market rates.
The Buildings and 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
The following will automatically be included:
Employers' Liability £10m
Public/Products Liability £2m
Legal costs and expenses
Loss of Gross Profit following loss or damage by an insured peril.
Cover is extended to provide cover in respect of:
Prevention of Access
Specified Diseases, Murder, Suicide, Poisoning, Vermin or Pests,
Damage at Suppliers premises
Failure of Public Supply of Electricity Gas or Water
Failure of Telecommunications
Goods In Transit (OPTIONAL)
If you have selected this option your needs are those of a retail business that delivers or collects goods and requires cover on those goods whilst in the course of transit.
Damage to fixed glass and fixed items of sanitary ware
The policy covers damage and any subsequent loss of income caused by Breakdown to equipment or machinery (including computers and refrigeration equipment) up to the limits shown in the policy.
Includes damage to perishable goods caused by failure of the insured equipment.