Restaurant and Public Houses Insurance


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...


  • Property
  • Liability
  • Directors and Officers Liability
  • Legal Expenses

FAQs

Coming soon...


Our Specialist Restaurant and Public Houses Team...


Ellie Fagan
Ellie Fagan
Underwriter

t. 0208 315 5005
e. ellie.fagan@camberford.com

Sam Kimberley
Sam Kimberley
Underwriter

t. 0208 315 5072
e. sam.kimberley@camberford.com

Sally Denham
Sally Denham
Underwriter

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

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