Commercial Express: Public Houses / Wine Bars

Commercial Express: Public Houses / Wine Bars
Please note that only Pubs, Social Clubs, Sports Clubs, Wine Bars and Snooker and Pool Halls are acceptable as new business on this scheme.
Eunisure Adviser Name*
Client Name*
Date of Birth*

MonthDayYear
Date
Email*
example@example.com
Phone Number*
Best Contact Time*

:HourMinutesAM/PM Option
Name of the Insured including any trading name*
Business Proprietor/Director Name*
Correspondence Address*

Street Address

Street Address Line 2

CityCounty

Postcode
Business Address if different from above

Street Address

Street Address Line 2

CityCounty

Postcode
Please answer the following questions in respect of the premises the insured trades from.

The Premises:
What year did the insured start trading at these premises?
(YYYY)
Has the Insured been trading at another location in this line of business no more than 30 days ago?
a) were built after 1700?
b) are occupied throughout the year?
The premises of the Business being proposed
c) are in a good state of repair?
d) are built of brick, stone or concrete and roof made with slate, tiles, metal, concrete or flat roofed with felt on timber, asphalt, bitumen or concrete?
e) has a listed building status?
Has the property ever suffered from
a) flooding or is in an area troubled by flooding?
b) subsidence. landslip or heave?
Is the whole property to be insured under this policy?
Is the insured the sole occupant of the property?

Use of insured property

Please answer the following questions in respect of property use
If there is any residential section to the property, does it account for 70% or more of the total premises area?
Does the insured or a manager reside at the property?
Select the Trade of the insured. (Please note that only Pubs, Social Clubs, Wine Bars and Snooker and Pool Halls are acceptable as new business on this scheme.
Trade
Does the premises have an extended licence to serve alcohol at any time between 1 am and 9 am?
Does the premises have a designated dance floor or any area that is routinely cleared to allow dancing?
Doe the premises have an outdoor children's play area?
Does the premises have a bouncy castle and / or an indoor children's play area?
Are there any letting rooms at the premises? (Please note if more than 6 letting rooms this risk should be quoted using the CX Guest House & Hotel scheme)
or is there more than one trade in the property?
Does the insured's trade not appear in the list, or are you unsure as to the suitability of the risk?
Does the insured provide a takeaway service from these premises?
Does the insured operate a nightclub from these premises?
Does the insured provide any form of live entertainment (including DJ's and live music) from these premises?

Please provide details about the security at the premises to be insured.

Doors:
Are all exit doors fitted with a mortice deadlock conforming to BS3621 with boxed steel striking plate of a minimum 6 inches in length?
If present, are all aluminium doors fitted with a cylinder mortice deadlock?
If present, are all fire exits fitted with a panic bar, redlam bolt, and hinge bolts top and bottom?
Windows
a) key operated window locks with the keys removed when in operation or Opening basement and ground floor windows and fanlights and on other opening windows fanlights and skylights which are accessible from roofs balconies and canopies fire escapes or down-pipes (but excluding windows fanlights and skylights fitted with bars or grilles) are all fitted with either;
b) solid steel bars (not less than 3/4" diameter and more than 5" apart securely fixed to the brickwork or masonry surrounding the window
Alarms
Is there an annually maintained intruder alarm fitted and operational that gives complete protection
Cover required:

The standard policy includes coverage for Fire and Named Perils including Theft
Buildings, including landlords fixtures and fittings and tenants improvements £
£
Do you require Accidental Damage cover?
Do you require subsidence, landslip or heave?
Loss of Rent
Loss of Rent (receivable) £
£
Indemnity Period 12 /18/ 24 months
Contents (excluding household goods) £
£
Stock (excluding wines, spirits, cigarettes and tobacco) £
£
Wines and Spirits £
£
Cigarettes and Tobacco £
£
Household goods (the property of the insured or resident manager) £
£
Computers / Electronic Equipment £
£
Do you require cover for All Risks away from the premises?
Business Interruption
Indemnity Period
Goods Transit (owned or operated by the insured)
Glass, canopies and signs

The policy provides standard package benefits based on the sum insured for the standard covers. These may be increased if required

Standard Package benefits:
Terrorism
Is cover required for Terrorism (not available in Northern Ireland)
Loss of money
In the premises during business hours or in transit or bank night safe
£
In a locked safe or strong room
£
Money in Automated Telling Machine (ATM)
£
Personal assault extension
a)Death or permanent total disablement
b) Temporary total disablement (per week) £100 £10,000
£
In gaming amusement or vending machines
£
Authorised Employee
In the private dwelling or domestic living quarters of the insured, director, partner or in the premises outside business hours £250 £500 £300
Do you require Accidental Damage cover for Book Debts?
Liability Covers
Employers liability
Public and products Liabilty
£
Do you wish to extend the Liability only cover to outside catering in addition to premises (limit of indemnity as selected above)
Employer Reference Number (ERN) / Employer PAYE Reference
Is the company exempt from ERN?
Only a very tiny minority of employers that do not pay salaries through PAYE are exempt from providing an ERN

Disclosure and claims: has the Insured
a) ever had insurance cover refused or cancelled or had special terms imposed?
b) or insured family member ever been convicted or cautioned with any criminal offence, other than driving offences?
c) ever had any claims or incidents at these or any other premises in the last 5 years?
ever been declared bankrupt or been the subject of any winding up petition or order in this or any previous business?
Any further information or material facts you should or would like to advise Underwriters?
Should be Empty:

Commercial Express: Public Houses / Wine Bars

Please answer the following questions in respect of the premises the insured trades from.

The premises of the Business being proposed

Has the property ever suffered from

Use of insured property

Please provide details about the security at the premises to be insured.

Windows

Alarms

Cover required:

Loss of Rent

The policy provides standard package benefits based on the sum insured for the standard covers. These may be increased if required

Terrorism

Loss of money

Personal assault extension

Liability Covers

Disclosure and claims: has the Insured