Restaurants & Cafés

This product provides a wide range of restaurants & cafés from traditional cafés to fine dining with a policy combing buildings, contents, legal liabilities and legal expenses cover.

Key benefits include:

  • Cover includes Accidental damage as standard
  • Combined package policy available for Contents, Builing, Business Interruption, Los of accounts recievable, Loss of liquor license, Subsidence, Theft by employees, Specified all risks, Terrorism, Employers’ liability, Public liability, Legal expenses and Household contents
  • Extra benefits cover for Buildings includes Damage to cables and underground pipes and Trace and access
  • Extra benefits cover for Contents include Glass breakage, External blinds & signs, Goods in transit, Theft of keys, Loss of money, Personal accident – assault, Freezer contents, Seasonal increase, Outside catering, Property in the open, Loss of metered water, Landscape gardens, Rent payable and Personal effects of guests
  • Quotations available for risks up to £5,000,000 total sum insured any one location
  • Experienced underwriters on hand with authority for instant decisions
  • Large no claims bonus available
  • Multi location policies available

Standard covers includes:

  • Contents including:-
  • -Computers & electronic office equipment
    -Tenants improvements and interior decorations
    -All other contents
    -Cigars, cigarettes & tobacoo
    -Wines and spirits
    -All other stock in trade including trade samples and goods in trust

  • Loss of income
  • Loss of liquor license
  • Public Liability £2,000,000
  • Employers’ Liability £10,000,000
  • Legal expenses

Optional covers include:

  • Buildings
  • Subsidence, ground heave & landslip
  • Theft by employees
  • Specified all risks
  • Terrorism
  • Public Liability up to £10,000,000
  • Household contents

Target Business:

  • Chains and franchises
  • Independent businesses

Contact our Team for more information:

Contact Name Email Telephone

 Scott Higgs

 scott.higgs@apcuw.com  020 7256 3100 Ext 112

Chris Page

chris.page@apcuw.com 020 7256 3100 Ext 115

Christian Lawrence

christian.lawrence@apcuw.com 020 7256 3100 Ext 131

 Sam McConnell

sam.mcconnell@apcuw.com 020 7256 3100 Ext 147