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Restaurant Insurance Quotes
 
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Restaurant Insurance Quotes

For UK Customers Only

Please insert your details here and one of our restaurant insurance advisers will contact you shortly.

This form is designed for quotes for restaurant insurance. Restaurant insurance is a package policy including cover for restaurant contents/fixtures and fittings, buildings (optional), public / employers' liability, stock, business interruption, money, loss of licence, etc.

If you have any problems with completing this form, please phone us on 01623 641 386 for assistance.

Proposers Details

Proposer's full name(s):
(enter sole trader's name or all partner's names if a partnership)
Contact name:
(if different to proposer's name)
Limited company name:
(if operating as a limited company)
Trading name:
(if different to the above)
Trading status:
Restaurant address:
Restaurant postcode:  Help?
Is the correspondence address
different to the restaurant address?
Yes     No
Correspondence address:
Correspondence postcode:
Daytime telephone number:
*E-mail address:
*Please note that your email address will only be used to provide you with your quote and not for any other marketing purposes.
General Information

Have you, or any other partner or director ever
been convicted of or charged with any criminal offence?
Yes     No
If yes, please provide details:
(i.e. date of conviction, type of
conviction, length of custodial sentence, etc.)
Have you, or any other partner or director ever had any county court judgements / sheriff decrees or been declared bankrupt, or involved in a company which has become insolvent or which has gone into liquidation, receivership or administration?Yes     No
If yes, please provide details:
(i.e. date of bankruptcy/insolvency, amount of
bankruptcy/insolvency, whether discharged, etc.)
Has any insurer ever refused renewal,
declined, cancelled or imposed special
terms in respect of your restaurant insurance?
Yes     No
If yes, please provide details:
(i.e. name of insurer, reason
for refusal/special terms, etc.)
Have you, or any other partner or director
ever been prosecuted under the Consumer
Protection Act, Food Safety Act, or Health & Safety Act?
Yes     No
If yes, please provide details:
Can you confirm that you meet all the Statutory obligations; including fire safety, electrical inspections, Health & Safety and COSHH regulations, relating to the operation of your business?Yes     No
About the Business
Business description (e.g. restaurant, take-away, etc.):
Type of food served (e.g. indian, chinese, etc.):
Do you provide a take-away service from the premises?Yes     No
What percentage of your turnover
is derived from providing takeaway food?
Is a delivery service available from the premises?Yes     No
If yes, please state percentage of turnover for delivery:
Years Trading / Experience
Please state the number of years
trading under current management:
year(s)
If a new venture, please state the number
of years previous experience (if applicable):
year(s)
Opening Times
Will the premises be closed for any part of the year?Yes     No
If yes, please provide details:
What time is the restaurant open until (e.g. 11pm)
Is there an ATM at the restaurant?Yes     No
Construction Details
Construction of walls (e.g. brick, stone, etc.):
Construction of roof (e.g. tile, slate, felt, etc.):
If there any flat roofing?Yes     No
Please confirm percentage flat roofing:%
Please confirm the type of flat roofing:
(e.g. 'felt on wooden base' or 'concrete flat roof')
Construction of floor(s):
Approximately, what year was the property built? (yyyy)
Is the property a grade listed building?
(i.e. grade I, II, etc.)
Please indicate the distance to the nearest
watercourse, river, canal, lake, sea, coast, etc.:
(e.g. 250 metres)
Has there ever been any subsidence
damage or flooding at the premises or nearby?
Yes     No
If yes, please provide details:
(i.e. date of damage,
amount of damage,
type of damage, etc.)
Additional Information
Are the premises licenced to sell alcohol?Yes     No Help?
How many seats are there in the dining area?
Is there any 'live' entertainment carried out
at the restaurant (e.g. karaoke, solo act, duo, etc.)?
Yes     No Help?
If yes, state the type of entertainment:
(e.g. karaoke, solo act, duo,|| etc.)
If yes, how many times a week?
Do you charge an entrance fee?Yes     No
Do you employ door staff?Yes     No
If yes, are they Agency (sub-contract) door staff only?Yes     No
Details of any other facilities at the restaurant:
(e.g. children's play areas, function rooms, etc.)
Is the restaurant in a good state of repair?Yes     No
If no, please provide details:
Is your portion of the building entirely
self-contained and in your sole occupation?
Yes     No
If no, please provide details:
Do you have any portable heating?Yes     No
If yes, please provide details:
(i.e. gas, oil, electric, etc. and
Number of portable heaters)
Cooking Details
Do you use frying equipment?Yes     No Help?
If yes, please state the type of frying equipment:
How often is the frying equipment competently serviced?
How often are the extraction systems
and ducting cleaned by professionals?
Fire Safety
Is there a fire alarm at the premises?Yes     No Help?
If yes, is the fire alarm manual or automatic?
Type of fire alarm signalling:
Do the premises have a sprinkler system installed?Yes     No Help?
Please state the specification of the system:
(e.g. 28th edition, 29th edition, etc.)
Security
Are the premises occupied
by the owner / manager overnight?
Yes     No Help?
Are all your external doors fitted with a minimum
of 5 lever mortise deadlocks (BS3621) or equivalent?
Yes     No Help?
Are all opening windows fitted
with key operated window locks?
Yes     No Help?
Is the restaurant protected by an intruder alarm? Yes     No Help?
If yes, is the alarm NACOSS / NSI approved?
Method of intruder alarm signalling:
Is the alarm maintained
annually under a maintenance contract?
Yes     No
Do the premises have CCTV?Yes     No Help?
Please confirm the coverage area of the CCTV:
Please provide details of
any other security arrangements:
(e.g. roller shutters, window grilles, CCTV, etc.)
Help?
Claims History
Have you, or any other director or partner (in this or any other trading name) suffered any loss, incident or had any claims made against you in the last 5 years?Yes     No Help?
If yes, please provide details:
(i.e. date of claim,
description of claim,
amount claimed, etc.)
 
Cover
 
Cover
Level of cover required? Help?
Is terrorism cover required?Yes     No Help?
 
Buildings / Tenants Improvement Cover

Buildings Cover (if owner occupied and required)
Buildings sum insured (if required):
(reinstatement value including outbuildings and an allowance for demolition costs, removal of debris, rebuilding architects fees, etc.)
Help?
Is cover required for subsidence, heave or landslip?Yes     No Help?
Tenants Improvements (if renting the premises and required)
Do you require tenants improvement cover?
(i.e. to insure improvements you have made as a tenant to
the building's fixtures & fittings such as a new counter,
suspended ceiling, partitions, lighting, decorations, etc.)
Yes     No     N/A Help?
If yes, please state the sum insured:

Contents

Contents / Fixtures & Fittings
Electronic equipment sum insured:
(e.g. tills, computers, etc.)
Help?
All other contents / fixtures & fittings sum insured: Help?
Property Away From The Restaurant
Is cover required for business equipment
temporarily taken away from the premises?
Yes     No  Help?
All Risks Sum Insured (£'s):
(i.e. total value of property away from the premises)
Type of property to be covered away from the premises:
(e.g. laptops, digital camera's, etc.
Please specify each item.)
Territorial area:  Help?
Stock
Wines and spirits: Help?
Tobacco, cigarettes & cigars: Help?
All other stock sum insured: Help?
Deterioration of frozen food
Deterioration of frozen food (if required): Help?
Glass
Fixed external glass sum insured: Help?
Money
Money sum insured:
(during business hours / in transit)
Help?
Money sum insured:
(out of business hours in a locked safe)
Help?
Good in transit
Goods in transit sum insured (if required): Help?

Business Interruption

Do you require business interruption cover?
(i.e. loss of profit following an insured event such as a fire, etc.)
Yes     No Help?
Please confirm your annual gross profit: Help?
Please advise the period of
time you wish the cover to extend?
(allow sufficient time for rebuilding/refurbishing
and further time to resume normal trading)
12 months
24 months
36 months Help?
Do you require cover for loss of liquor licence?
(i.e. depreciation of the value of your premises)
Yes     No Help?
If yes, please confirm the sum insured required (£'s): Help?
Do you require cover for loss of book debts?Yes     No Help?
If yes, please indicate the maximum amount of
debit balances outstanding at any one time (£'s):

Public / Employers' Liability Cover

Public / Product liability limit of indemnity: Help?
Is any Work Away from the premises
carried out other than collection or delivery?
Yes     No
If yes, please provide details:
(i.e. type of work and number of employees involved)
Turnover
Please confirm the annual turnover of your business: Help?
Employers' Liability Insurance
Do you require employers' liability cover?
(£10 million standard limit of indemnity)
Yes     No Help?
Please confirm the total number of employee's:
Please confirm the
total annual wages of the employee's:
per annum
Employers' Reference Number (optional)
Employers' Reference Number (ERN) (if available):  help
(e.g. 123/AB12345)

Legal Expenses Cover

Is commercial legal expenses cover required?
(100,000 legal defence costs for contract disputes,
employment disputes, VAT investigations, etc.)
Yes     No  Help?
Has the business and/or its directors been
involved in any legal dispute, tax investigation
or any other court or tribunal action in the last 5 years?
Yes     No
Please provide details of the dispute including dates:

Additional Information / Covers

If there is any additional information
that you wish to disclose or cover that
you wish to include, please provide details:
You are required to make a fair presentation of the risk to insurers which means that you are required to disclose every material circumstance which you know or ought to know relating to the risk to be insured. Materially important information is any information that could influence an insurer's decision to accept your risk including the cost of your insurance. Failure to comply with the duty of fair presentation could mean that your policy is void or that insurers are not liable to pay all or part of your claim(s). By submitting this quotation you are confirming that there are no other material facts to disclose other than those shown above.

Details of Current / Previous Policies

Renewal date / date cover required:
Current annual premium / best quote to beat:
This may help us to get you a better quote
Name of current / previous insurer:
e.g. Aviva, AXA, Allianz, QBE, RSA, Zurich, etc.

Request Quotation

Disclosure
Please ensure that all the information you have provided is correct and that you have answered all the questions accurately then press the Request Restaurant Insurance Quote button to send your quotation details to us.


Estimated Quote Time: 1 to 72 hours