Below are some of the most commonly asked questions regarding Complete Retailer Restaurants and Bars Insurance products. If you have any specific questions about your current policy or the Complete Retailer Restaurants and Bars Insurance policy call the Business Insurance Centre on 0800 048 1669.
Q: How long is a quote valid for?
The quote will remain valid for up to 60 days from the quote date.
Q: How far in advance can I get a quote?
You can obtain a quote up to 60 days before you need cover to start.
Q: What if I don't know the date of my claim?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you require.
Q: What if I don't know the amount of my claim?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you require.
Q: How many claims can I have had?
In order to obtain an online quotation your business must not have been subject to more than two incidents, losses or claims (or the total value of all claims must not exceed £5,000) within the past three years. If this is not the case you may still be able to receive a quotation but you will need to call the Business Insurance Centre on 0800 048 1669.
Q: What are the exclusions on this policy?
The full list of exclusions, as well as full terms and conditions, can be found in the policy wording. Alternatively a summary of the significant exclusions can be found in the policy summary. In addition, when you obtain a quotation any additional exclusions or conditions specific to you will be detailed in your policy schedule.
Q: What are the standard excesses?
The main standard excesses on this product vary by section as follows:
Contents - £250
Buildings - £250
For full details please refer to the policy summary.
Q: What does public liability cover?
Public liability covers you against your legal liability in connection with your business to pay compensation and claimants costs and expenses in respect of accidental injury to any person or damage to material property. Please note that it does not provide cover in respect of injury to your own employees - this will require Employers' Liability
Q: What does employer's liability cover?
Employers' Liability covers you against your legal liability to pay compensation and claimant's costs in respect of injury and disease sustained by any of your employees undertaking work in connection with your business. Please note that most employers are required by law to have employers' liability insurance. Further advice can be found in the Health and Safety Executive guide (HSE40) which can be found here http://www.hse.gov.uk/pubns/hse40.pdf
Q: What if my trade is not on the list?
If you can not find your trade on the list please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important not to choose another trade as this may invalidate your policy or result in a claim not being paid.
Q: What do I do if I have multiple trades?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important that all your activities are advised to the business insurance centre as otherwise it may invalidate your policy or result in a claim not being paid.
Q: How many trades can I have on this policy?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important that all your activities are advised to the Business Insurance Centre as otherwise it may invalidate your policy or result in a claim not being paid.
Q: What is the maximum number of people I can cover?
There is no limit on the number of staff you can employ under this policy.
Q: What covers are available under this product?
The following covers are available:
Q: I employ more than 10 people, can you cover me?
There is no limit on the number of staff you can employ under this policy.
Q: Can I get cover if I am a tenant in the property where I run my business?
Yes, Essential Business Insurance can provide products to insure you.
Q: What minimum level of security must my building have?
The minimum level of security you must have in place is detailed in the policy wording. In addition, based on your specific details you may be required to install an intruder alarm - this will be in your quotation.
Q: How will I know what security my building will need?
The minimum level of security you must have in place is detailed in the policy wording. In addition, based on your specific details you may be required to install an intruder alarm - this will be detailed in your quotation.
Q: I don't have an alarm on my property can I still get insurance?
You may not need to have an alarm on your property - this will be based on your specific details. Your quotation will detail whether you are required to install one.
Q: If I don't select a certain cover on my policy now, can I add it later in the year?
Yes, providing any acceptance criteria are met.
Q: I have some specialist equipment in my premises for my occupation, can I list this somewhere on my policy so I know it is covered?
Should you wish to have any specialist items listed on your policy please call the Business insurance Centre on 0800 048 1669 for further assistance.
Q: What is the maximum number of staff I can employ?
There is no limit on the number of staff you can employ under this policy.
Q: If I use a private vehicle to pick up stock is it covered in transit?
Yes providing the vehicle is owned by you. The policy offers £2,500 cover for goods in transit as standard - you may choose a higher level if required.
Q: Am I covered for loss of refrigerated stock due to electrical failure (outside of my control)?
Cover is provided under the deterioration of stock section. The policy provides £1,000 of cover as standard, but you can increase this limit if necessary.
Q: Can you cover my van under the Restaurant and Bars policy?
This cover can not be included under the Complete Retailer policy. You can insure your van separately under the Commercial Vehicle policy.
Q: I have guest rooms in my Pub, should I cover this under your Hotel policy?
Providing you do not have more than four guest rooms this policy can be used. Should you have more than four guest rooms you will need to call the Business Insurance Centre on 0800 048 1669 for a quote under the Complete Business product.
Q: Is there a limit on the number of covers your Restaurant and Bars policy will insure?
No, there is not a limit on the number of covers you can have.
Q: I have a function room in my pub, are there any restrictions on the type of function I am covered for?
We are likely to accept the majority of functions, but there may be some exceptions. If you have any doubts about the intended use then please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: Are fruit machines and pool tables covered under your Restaurant and Bars policy?
Yes - providing the value of the equipment has been included in the sum insured you give to the Business Insurance Centre, under the contents section, cover for these machines is given. The money inside the machines will be covered under the money section, although there is a limit on the amount of cash that is covered out of business hours that is not stored in a safe.
Q: We cook certain dishes tableside in our restaurant, am I covered for this?
Yes this would be covered.
Q: We hold public BBQs in the beer garden in the summer, is this covered?
Yes, cover is provided
Q: Our restaurant has outside tables, will this affect the policy?
This would not affect your cover, however, please note that any furniture left outside the premises is not insured under this policy.
Q: Can I cover more than one premise on your Restaurants and Bars policy?
The online Complerte Retailer Restaurants and Bar Insurance policy can only cover a single location. Should you require cover for more than one premises please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: If I obtain an extended licence (past 12am) several times a year, will I still be covered?
Unless the licence is for Christmas Eve or New Years Eve it is important to let business insurance centre know. Please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: Are children's play areas covered under your policy?
Yes. Cover in respect of your legal liability for injury to third parties would be covered, however, there is no cover for the equipment itself.
Q: What sort of entertainment is covered under your Restaurant and Bars policy?
Providing the entertainment is not hazardous (e.g. firework or pyrotechnic displays, bar fly, bouncey castles), it will be covered. Should you have any doubts about a proposed activity it is important to call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: If I made an insurance claim at the previous pub I owned, do I need to declare it here?
Yes - It is important that you provide details in respect of any previous claims within the last 5 years as failure to do so may invalidate your policy or result in a claim not being paid.