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 Shop product underwritten by AmTrust & Ascot is suitable for retailers, hair and beauty salons, tattoo parlours and shop front bakeries or butchers. 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.

The product is not suitable for companies and/or individuals that retail or trade from non-shop front premises such as (but not limited to) at home or from a warehouse.

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 Content 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.

Optional Extras

  • Loss of Licence Cover
  • Legal Expenses Cover
  • Terrorism Cover

Insurer Rating


AM Best


AmTrust Europe Ltd



Ascot Group’s Syndicate 1414 at Lloyd’s