Shop, Pub & Restaurant Insurance
Shop, Pub and Restaurant Insurance is a package of insurance that can cover employers´ liability, public liability insurance, building, contents and stock as well as other additional cover options. This cover can be tailored to specific business needs.
Key Features
We offer a series of quotations from the leading insurance companies for Shop, Pub and Restaurant premises.
If you have employees then you need, by law, employer's liability insurance. Public Liability insurance, stock, contents, loss of profits and buildings insurance can also be taken out.
Who is it for?
- Shops
- Restaurants and take-away food establishments
- Pubs and bars
Benefits
- One-Stop 'Shop' - There are potentially many elements required for adequate Shop, Pub & Restaurant insurance cover. You can get them all by using Simply Business Insurance, instantly.
- Leading Providers - We can provide quotes from a range of the UK's leading insurers and brokers including R&SA, Axa and Glemham.
- Policy 'Bolt Ons' - After employer's liability and public liability, you can choose which other covers are most suitable to protect your business.
- Stock Protection - If you hold stock on the premises insurers will generally allow you to choose how much stock to cover and it will be protected against fire, flood and theft etc.
- Contents & fittings - You can cover valuable contents and fittings separately from the building.
- Cash Cover - If you store cash on site, this can also be insured against theft. You can even add on theft by an employee.
- Business Interruption - You can take out cover for the loss of income if you have to stop trading.
- Peace of mind - Once all the essentials are protected, you concentrate your efforts on running the business.
Things to watch out for
- Adequate cover - whether you are covering your contents, your stock or any money stored on the premises it is essential that you calculate the right amount of cover to purchase. Purchase too little, and should you lose everything, the insurer will only pay the amount that you have covered.
- Exclusions - Always read the policy documents carefully to check the extent of the cover. For example, the most common exclusion is that you are not covered for theft if you do not take the required security precautions.
- Optional Covers - Some insurers will include some extra cover in the standard policy. Others allow you to choose exactly what cover you require and charge accordingly. Ensure you are not paying for something you don't require.
- Security precautions - Most insurers will state that you need to comply with their minimum security precautions. This normally involves things like having a certain type of alarm, specific locks on external doors etc. If you are not complying with the specified precautions then you may invalidate your policy.
- Material changes - If you take on any extra employees, or increase the amount of stock you store on the premises, you should inform your insurer instantly, as they may charge an additional premium. Conversely, should you reduce the size of your business the insurer may be prepared to re-quote you at a cheaper price.
What are the next steps?
- Know your business - make sure that you know how many employees you need cover for, how much stock you want to cover and all the other details that will affect your quote.
- Don't delay - If you have any employees you are required by law, to buy employer's liability insurance and display your certificate in the workplace. If you have not got this in place you could be heavily fined.
- Fill out our online form - once you have all your details to hand, fill out our online form. Our panel of insurers and brokers will then be able to arrange quotations for you as soon as possible.
Compare Quotes
Compare, Decide, Buy
Frequently Asked Questions
How do I know what additional covers to purchase?
The important thing is to match the nature of your business with the insurance you are buying. Make sure you pick the covers that apply to you.
Do I need to buy employer's or public liability insurance separately?
No. These covers are included as standard in the policy. You only need to purchase the one policy for all your insurance needs.
Who will be quoting me?
We only work with the UK's leading providers such as R&SA, Glemham and Axa. We will send you the most appropriate quotes for your business, from all relevant suppliers.
My current insurer has already offered me a renewal quotation, why go through the hassle of getting another quotation?
Insurance is not a product such as a pint of milk where the price is fairly established. By shopping around, you can often save significant sums with different insurers, as they all take different views on the levels of risk.