Pub, Restaurant and Hotel


Individual or multi-location eating, drinking and hospitality premises with a maximum contents limit of £750k (including owner’s effects) and overall combined buildings, contents and Business Interruption sum insured of £5m per location.

Key description

This packaged product offers extensive cover, including £500k legal expenses as standard. There is also the option to increase the majority of core cover limits and the flexibility to pick optional covers to suit the individual needs of each business.

  • Average Free Property Cover, plus free of charge automatic uplifts to the contents and buildings sums insured, providing valuable extra protection
  • Stock seasonal increase of 30% between November and January or any other selected three month period
  • Money & Assault
  • Book Debts
  • Property in Transit
  • Loss of Income up to £1m over 36 months, including cover for Prevention of Access, Damage to Suppliers Premises up to £2,500 and Disease/Infestation and Additional Increased Cost of Working up to £50,000.
  • Public & Products Liability £5m, including legal liability for Hired/Rented premises and legal expenses and costs in defending prosecutions under all relevant health and safety legislation.
  • Optional Covers – Buildings & Tenants Improvements, deterioration of chilled or frozen food, Terrorism, Employee Dishonesty, Personal Accident

Alternative products

Selling points

For more information about Target Market statements please visitpub,restaurant and hotel.


Key documents

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All current documents

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We recognise the impact a claim can have on your customer’s business. We want to get them back to normal as quickly as possible.

Claims contacts and services

New claims

Fast and simple notification of claims.

  • Notify new commercial property claims 24/7/365 - online or by freephone, fax or e-mail.
  • 24/7/365 help from emergency plumbers, glaziers and locksmiths to ensure your customers aren’t left in a vulnerable position.
  • UK-based.
  • Rapid deployment of loss adjusters.
  • Tried and tested weather response plan.

Reported claims

Claims experts:

  • Dedicated commercial property teams in Southend and liability teams in Glasgow.
  • Proactively minimise impact of a claim to your customer’s business.
  • Interim payments to keep your customers trading.
  • Online claims tracking.
  • 12 months guarantee on repairs carried out by our approved network.
  • Claims solutions for all your customers - from sole traders to large organisations.

Service channels

Cross-sell products

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