Public House - Commercial Express

This product consists of a panel of two insurers:

1. AmTrust Europe Ltd & Ascot Group’s Syndicate 1414 at Lloyd’s
2. Ascot Group’s Syndicate 1414 at Lloyd’s

Tailored Liability & Property Insurance for Pubs
Public, Products & Employers’ Liability Included Standard
Appetite Extends to Social Clubs & Snooker Halls
FREE £5,000 Goods in Transit Cover
FREE Personal Assault Cover

Our Public House product 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. AmTrust Euope Ltd underwrite the material damage cover and Ascot underwrite the liability sections of cover.

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 and Benefits

Removal of Debris Cover – Up to £25,000
Locks & Keys Replacement Cover – Up to £1,000
Architects, Surveyors, Legal Fees – Up to £25,000
25% Seasonal Stock Increase Cover
Temporary Removal Cover – Up to 10% of Contents Sum Insured
Loss of Utilities Cover

Garden Furniture – Up to £500
Loss of Metered Water – Up to £5,000
Rent Payable Cover
Trace & Access Cover – Up to £2,500
Denial of Access Cover
Alternative Residential Accommodation Cover

For further information on Limits and Exclusions please click here (AmTrust Europe Ltd & Ascot Group’s Syndicate 1414 at Lloyd’s) and click here (Ascot Group’s Syndicate 1414 at Lloyd’s) to download the policy documentation.