Target Market Our Public House product is underwritten by Tokio Marine HCC and is suitable for public houses, wine bars and social clubs. This is a material damage and liability package product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit, and book debts combined with public, products and employers’ liability insurance.
In addition, the product also provides the option to cover legal expenses and terrorism cover. Furthermore, the product can be extended to include liability insurance for catering activities away from the premises. The product is not suitable for Public Houses and Bars that operate with a late licence more than twice a week and/or have a staging area and/or a have a dance floor used outside of private functions.
Features & Benefits
Stock cover
Contents cover
Business Interruption
Money
Goods in Transit
Book Debts
Frozen Food
Employers Liability
Public and Product Liability
Loss of Metered Water £2,500 any one claim, maximum £5,000 anyone period of insurance
Landscaped gardens - following damage by emergency services £1,000 in anyone period of insurance
Trace and Access up to £2,500
Capital Additions - 10% of the building sum insured or £250,000 whichever is less. 10% of trade contents for fixtures and fittings or £100,000 whichever is less
Replacement of locks and keys following theft or damage £1,000 anyone claim
Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January
Rent Payable - up to 25% of the contents sum insured
Rent Receivable
Optional Extras
Buildings cover available as an optional extension
Damage to garden furniture – Up to a maximum of £500 any one claim including theft
Household Goods available up to a limit of £40,000
Loss of Licence available up to a limit of £100,000
All Risks – UK or Worldwide available as an optional extension
Legal Expenses available as an optional extension
Liability can be extended to cover childrens play areas
