I have a question regarding...Restaurants and Pubs
How long is a quote valid for?
All quotes are valid until the end of the month you receive your quote.
When will I get my documents?
Once your policy has gone on cover we will send your documents out within 24 hours. If you do not receive your documents via email or post please let us know.
Can I pay for my insurance monthly?
Yes, we have a range of payment options available. Our advisers will talk you through the options when you get a quote.
I have employees; do i need to cover them?
Yes. If you have any employees it is a legal requirement for you to cover them correctly with an Employer's Liability policy. If you don't you could be personally liable to pay for their medical treatment and time off work if they are injured at work.
What is an ERN and why do you need it?
Businesses that pay any employee above the PAYE threshold are required to have an Employer Reference Number which is the reference number for employees' income tax and national insurance contributions.
The ERN is printed or written on mandatory documents such as the P45, P60, P11/D, and on most payslips.
If you purchase a policy with us which includes Employers Liability we are required to provide your ERN to the Employers Liability Tracing office (ELTO) who will add it to their database. This will assist anyone who has suffered an injury or illness as a result of their employment by identifying the insurer providing the cover and the employees periods of employment.
What covers are available under this policy?
Our Restaurant, Cafe & Pubs policy allows you to choose from the following cover: Public Liability, Products Liability, Employers Liability, Building (If Owned), Stock, Contents, Fixtures & Fittings, All Risks (Equipment away from the premises), Worldwide Equipment Cover, Personal Assault, Money, Business Interruption (Gross Profit) , Business Interruption (Increased cost of Working), Legal Expenses, Fidelity, Freezer/Fridge Breakdown Cover, Book Debts, Tenants Improvements, Loss of Licence, Terrorism and Glass/Shop Front Cover.
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