Insurance overview
Our policy includes standard covers suited to a variety of catering and hospitality businesses - from restaurants, cafés and pubs, to hotels and guest-houses.
It's also flexible, with a choice of optional covers to suit your business' needs now and in the future.
What's included as standard:
- Contents and Stock - contents and stock at your business premises, including automatic seasonal stock increase of 25% with an option to increase it further.
- Goods in Transit - loss or damage to your property while it’s in transit, up to £10,000.
- Money and Malicious Attack - damage from theft or attempted theft to safes, tills and any items used for carrying money.
- Business Interruption - loss of income due to damage to property used by you at the premises, up to £1.5 million.
- Employers' Liability - damages arising from injury and illness to employees, for which you are legally liable, including while working abroad for up to 60 consecutive days, up to £10 million as standard.
- Public and Product Liability - damages arising from injury to the public or damage to their property because of your business' activities and/or products, starting from £2.5 million.
- Environmental Liability - damages arising from injury to the public or damage to their property caused by pollution, including the cost of cleaning your own premises if required by a regulatory authority, up to £1 million.
Additional covers you can choose:
- Deterioration of Stock - deterioration caused by temperature changes due to failure or damage of the refrigeration systems and accidental failure or emergency removal of public electricity, gas or water supplies.
- Engineering Insurance - accidental damage or breakdown of machinery and plant.
- Engineering Inspection Services provided by Vulcan Inspection Services - plant and equipment inspections and certification to prevent injury or business interruption, and to meet your regulatory obligations.
- Buildings - Buildings cover is available if required.
- Terrorism - protection against property damage and loss of income caused by acts of terrorism in England, Scotland and Wales.
- Commercial Legal Expenses - the cost of legal representation to defend your legal rights, and any agreed compensation awards, up to £250,000.
- Group Personal Accident - protecting yourself and employees aged 16 to 65 against the financial impact of death or disability following an accident or illness.
- Business Travel - cover for you and your employees who travel abroad on business including access to a dedicated 24/7 helpline.
This is not an exhaustive list, more information can be found in the important documents section.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
