T: 020 8315 5000
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Restaurant and Public Houses Insurance

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Restaurant and Public Houses

Please contact our specialist Leisure team who will be delighted to assist with your enquiry.
The scheme has been established for over 15 years and we continue to strive to provide insurance, and to articulate our knowledge of the risks within this sector, to best assist our brokers and their clients.

Considerations for brokers and their clients may include:

  • Adequacy of rebuilding costs. This is a key area for broker and property owners with 'average' clauses still often applied to claims by Insurers
  • Full nature of activities (private functions, dance floor, dj’s, door staff etc) must be considered
  • Other occupancy within the same building can present risks that shouldn't be overlooked
  • Basement areas may increase the risk of flooding
  • Intruder alarm adequacy. Attractive stock should be stored within an alarm protected area
  • H&S, risk assessment and risk management should be up to date, effective and documented. For example, inspections and cleaning of spillages, collection of glasses, inspection of smoking areas prevents accidents and, when documented, can help defend third party liability claims
  • Stairs and steps should be clearly marked and with handrails on both sides
  • Fire detection and suppression in kitchen areas improves and mitigates fire risk
  • Exposure to high profile guests must be declared to insurers, and should trigger consideration of higher public liability limits

Our risk appetite includes:

  • Public houses
  • Restaurants
  • Wine bars
  • Private members clubs
  • Individual location exposures up to £15,000,000
  • We can provide a rebuilding cost calculation service for certainty
  • Minimum Premium £500 plus Insurance Premium Tax

Proposal Form

File Size: 2.4MB

Options of Cover...

Our Specialist Team...

Sally Denham
Sally Denham

t. 0208 315 5066
e. sally.denham@camberford.com

Kelly Murray
Kelly Murray
Head of Department

t. 0208 315 5065
e. kelly.murray@camberford.com

Russell Carter
Russell Carter

t. 0208 315 5029
e. russell.carter@camberford.com

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