Frequently asked Questions & Downloads

Please call us at any time to ask ANY questions you wish with regards to any of our products/ services. Below are some useful downloads that may prove useful.

Downloads

The publications below are in pdf format and needs Adobe Acrobat Reader to read them. This can be downloaded by clicking here.

To save: Right click on the link and select 'save as'

	Personal injury claims and the licenced trade
	Dancefloor Checklist
	WC Checklist
	All other areas checklist
	Health and Safety Legislation *

* On request, please go to the Contact us page and contact our customer service department who will email you a copy in your desired format.

The following questions are being asked by people on the web, looking for your service.

If appropriate, can you please answer them and then add both Question and Answer to the FAQ page above the current content.

• Does restaurant insurance cover damage to customers personal property?

The policy will only cover damage to customer property if your business is legally liable for the loss. Eg a negligent spillage by serving staff.

• What is the estimated cost for restaurant insurance?

Each policy is individually rated therefore no estimate can be given

• What type of insurance policies are required to open a restaurant?

The only legal mandatory class of insurance is Employers’ Liability Insurance however a more comprehensive police is recommended, eg building, contents, stock , money and business interruption cover

• Where can I find information on start-up costs for my restaurant?

The best people to discuss this with, would be your bank

• Is it illegal to own a bar without insurance?

YES, as it is compulsory to have Employers’ Liability Insurance

• What type of insurance policies are required to open a bar?

The only legal mandatory class of insurance is Employers’ Liability Insurance however a more comprehensive police is recommended, eg building, contents, stock , money and business interruption cover

• Does making your pub more child friendly reduce your insurance premium?

Not directly, however doing so will reinforce your status a such a “family” venue and will distance you from a late bar/ urban sector which tend to be perceived as poorer risks and pay higher premiums.

• What is the estimated cost for pub insurance?

Each policy is individually rated therefore no estimate can be given

If you require any further information , please contact us on 0845 8445000