Restaurants, Hotels, Pubs and Takeaways

Running a business places a requirement by law to take out Employers' Liability cover if you employ any staff. This cover includes part-time, work experience or paper delivery workers, trainees, or sub-contractors. If you are a limited company you must have Employers' Liability insurance even if you are the sole employee.

As a restaurant owner, hotelier or publican you are exposed to a number of risks largely as a result of regular contact with the general public. It is therefore sensible to take out Public and Products Liability cover to help protect your business against possible claims.

As you operate your business from your own premises you will need to insure your property including your fixtures and fittings, stock and equipment. You should also check that your policy includes cover for money in the safe or till and stock items such as wines and spirits or tobacco. It is also wise to cover your loss of revenue should you be forced to suspend trading.

In the event of your business being unable to trade following a property loss you would be wise to consider Business Interruption insurance to cover your increased cost of working and/or loss of revenue/profit.

Choosing the correct policy:

Restaurants, Hotels, Pubs and Takeaways are exposed to a multitude of risks everyday. You need to make sure that if the worst happens you have sufficient cover to help your business survive.

What if...

• A customer slips on a wet floor whilst on your premises and decides to sue for damages.
• An entire barrel of ale leaks and floods the downstairs bar.
• Your refrigerator unexpectedly breaks down the night before a major function and most of the food is ruined.
• The delivery van breaks down leaving all your Christmas stock stranded on the motorway.
• The recent floods mean that your premises need substantial refurbishment before the authorities will allow you to re-open.
• A customer is claiming that they contracted food poisoning after visiting your restaurant.
• An employee is found to have stolen large amounts of stock and cash from your bar.