Commercial Express: Café and Restaurant

Commercial Express: Café and Restaurant
Adviser Name *
Trading Name *
Correspondents Address *

Street Address

Street Address Line 2

City State / Province

Postal / Zip Code
Date of Birth *

Month Day Year
Date
Email *
example@example.com
Phone Number *
Best Contact Time *

: Hour Minutes AM/PM Option
Business Address *

Street Address

Street Address Line 2

City State / Province

Postal / Zip Code
Business Proprietor/Director Name *
Property Information *
Type of Café *
Any deep Fat frying? *

Yes No
Please answer the following questions in respect of the premises you trade from
What year did you start trading at these premises? (YYYY) (This will calculate a no claims bonus)
The premises of the business being proposed
Were built after 1900?

Yes No
Are occupied throughout the year?

Yes No
Are in good state of repair?

Yes No
Has a flat roof?

Yes No
If so, is this less than 20% of the property?

Yes No
Are built brick, stone or concrete and roof made with slate, tiles, metal, concrete or flat roofed with felt on timber, asphalt, bitumen or concrete?

Yes No
Has listed building status?

Yes No
a) Have the Premises flooded in the last ten years?

Yes No
b) Are the premises within 400 meters of any water course, river or the sea?

Yes No
c) Have been informed that the premises are in a potential flood risk area?

Yes No
d) Has the property ever suffered from subsidence, landslip or heave or in an area troubled by subsidence, landslip or heave?

Yes No
Maintenance and safety
It is important that You comply with requirements a) - d) blow otherwise all Damage arising from or caused by defined perils of fire and explotion will be excluded.

You must:

a)If the Premises or any part thereof is let as residental accomodation You must comply with current Gas Safety regulations and Laws and at the commencement and throughout the currency of this insurance must be in possession of a current Gas Safety certificate issued by Gas Safety registered engineer. Any necessary repairs and maintenance must be carried out promptly by a Gas Safety registered engineer.

b) If You are responsible for gas installations at commercial premises, annual maintenance checks must be undertaken and at the commencement and throughout the currency of this insurance You must be in the possession of a valid Gas Safety certificate issued by a Gas Safety registered engineer.

c) If Youare responsible for the electrical instalations at the premises, at the commencement of this insuraence and at all times throughout the currency of this insurance You must be in possession of an electrical installation condition condition report (EICR) that:

i) covers the whole of the electrical installation(s)

ii) is less than five years old and issued by a contractor approved and registered with one of the following:
- National Inspection Council for Electrical Installation Contractors (NICEIC)
- Electrical Contractors Association (ECA)
- National Association of Professional Inspectors and Testers (NAPIT)
- Electrical Self Association (ELECSA)
iii) documents that all C1 or C2 deficiencies or deflects have been remedied.

d) In respect of any vessel, machinery or apparatus or its contents belonging to You or under Your control whih is required to be examined to comply with any Satutory Regulations such vessel, machinery or apparatus shall be the subject of:

i) inspection(s) under contract, and

ii) regular maintanence schedules and You must be in the possession of such certificates of inspection and evidence of maintanence.
Do you comply with the above requirements?

Yes No
Used of insured property
Is the whole property to be insured under the policy?

Yes No
Are you the sole occupant of the property?

Yes No
Please answer the following questions in respect of the premises you trade from
If there is any residential section to the property, does it account for 70% or more of the total premises area?

Yes No
Do you or a manager reside at the property?

Yes No
Trade selection
Please put down your trade
Is there more than one trade in the property?

Yes No
Do you have any trying or cooking equipment at the premises?

Yes No
Maintenance and safety
You must comply with the requirements a - j below are complied with otherwise all Damage arising from or caused by Deifned Perils of fire and explosion will be excluded.

You must ensure that:

a) all frying and other cooking ranges, equipment, flues and exhaust ducting is kept securely fixed and free from contactwith combustible materials.

b) all extractoin hoods, canopies, filters and grease traps are cleaned at least every 2 weeks

c) all extraction ducts are cleaned mounthly and maintained and checked at least once every 6 months by a specialist contractor.

d) the record of such cleanign and servicing of the extration ducts is kept elsewhere other than at the premises and will be made avaliable for inspection at any time.

e)frying equipment will be installed used and maintained in accordance with the manufacturer's instructions.

f) multi purpose fire extinguishers and at least one fire retardant blanket which conforms to the relevant British Standard suitable for extinguishing oil and fat fires is kept in close proximity to the working area the range and maintained ready for use.

g)frying ranges are not left unattended whilst in use.

h)all naked flames (other than pilot lights) and all electrical elements are turned off when the kitchen(s) are closed.

i) the frying range must hold levels of oil that enable the safe operation of the equipment and activate thermostatic cut out devices.

j) if the equipment is fitted with thermostatic probes they will be used at all times when the equipment is in use.
Do you comply with the above condition?

Yes No
Do you provide a takeaway service from these premise?

Yes No
Definition of Deep Fat Frying: "Any cooking using aa fryer other than a table top basket fryer."

Please ensure the approriate trade type is selected.
Do you have a fire range at the premises?

Yes No
Do you insured operate a nightclub from these premises?

Yes No
Do you provide any form of live entertainment (including DJ's and live music) from these premises?

Yes No
Does the premises have an extended licence to serve alcohol ay anytime between 1 a.m. and 9 a.m?

Yes No
Does the premises have a designated dance floor or any area that is routinely cleared to allow dancing?

Yes No
Does the premises have an outdoor children's play area

Yes No
Does the premises have a bouncy castle and/or an indoor children's play area?

Yes No
Does the premises use doormen/ doorwomen at any time except during the festive period?

Yes No
Do you need to note an interested party on the policy?

Yes No
Third party interest cover required buildings
Buildings and landlord's fixtures & fittings £

Yes No
Do you require Accidental Damage to Building and Tenants Improvements?

Yes No
Do require subsidence, landslip or heave?

Yes No
Loss of Rent (receivable) £
Indemnity period
Contents and stock
Contents, Fixture & Fittings and Stock (excluding Fixed Frying Range, Electronic Equipment £
Tenants Improvements £
Fixed Frying Range £
Electronic Equipment £
Wines & Spirits £
Cigarettes & Tobacco £
Do you require Accidental Damage to Contents and Stock

Yes No
Extra covers
Loss of Profits (Indemnity Period 12 months only) £
Glass, Sanitary Fittings, Signs and Fascias £
Money
In premises during business hours/in transit/ in bank night safe £2,000
Out of business hours in a locked safe £500
Out of business hours not in a locked safe £500
In Directors, Partners or Designed Employees PDH £250
In fruit or gaming machine(s) (any one event) £300
Personal Assault Cover (per 104 Weeks Maximum) £10,000
Goods in Transit £2,000
All Risks away from the premises in the United Kingdom?

Yes No
All Risks
Book debts £25,000
Loss of Liquor Licence £50,000

Package Limits
Deterioration of stock following refrigeration breakdown
Is cover required for terrorism?

Yes No
Catering Legal Expenses Insurance - GBP30.00 +IPT

Yes No
- 24/7 Helpline with legally traind staff to advise on employment issues.
- Follow advice to be protected against the costs of reputaion in a tribunal and any damages awarded against you.
- Professional help with Tax, VAT, PAYE or NIC disputes.
- Comprehensive range of additional covers including Property and Licence Proction.
- The product is underwritten by Ageas Insurance Ltd
  Your Fast Food policy can be extended further by the the puechase of Catering Legal Expenses Insurance.
- Employment tribunals upby over 65% in 3 years to just under 190,000 per annum
Security

Level two security
Minimum 6 inches in length are accessable from roofs balconies and canopiies, fire escapes or down pipes are fitted with solid steel bars (not less than 3/4

2. All aluminium doors are fitted with a cylinder mortise deadlock

3. All Fire Exits are fitted with a panic bar, redlam bolt and hinge bolts top and bottom. Inch diameter and more than 5 inches apart securely fixed to the brickwork or masonary surrounding the window)

5. All shop front windows to be protected by a metal roller shutter or grill Damage caused by Theft and Malicious Damage is not covered unless security of the premises are installed in accordance with the following specification and all such devices are put in to operation at night and whenever the premises are closed for business or left unattended:

1. All exit doors of the premises are fitted with a mortise dealock conforming to BS3621 with boxed steel striking plate of a

4. Opening basement windows and ground floor windows and fanlights and all other opening windows, fanlights and skylights that
All of the above security requirements are compiled with?

Yes No
Policy Level Liability covers:

Employers' Liability

Public and products Liabilty £2m/£5m
Do you wish to extend the Liability only cover to outside catering in addition to premises (limit of indemnity as selected above)

Yes No
Employer reference number (ERN) / Employer PAYE reference
Is the company exempt from having an ERN?

Yes No
Only a very tiny minority of employers that do not pay salaries through PAYE are exempt from providing an ERN.

All emploers who pay PAYE must provide an ERN.

Has the insured;
a) ever had insurance cover refused or cancelled or special terms imposed?

Yes No
b) Ever been convicted of, cautioned or have a prosecution pending for any criminal offence other than motoring offences?

Yes No
c) During the last five years under any other insurance policy made a claim(s), incurred a loss, damage or liability whether insured or not at these premises or any other location (other than claims made against motor/travel/pet and health policies)?

Yes No
d) Been declared bankrupt, incurred a County Court judgements(s) that remains unsatisfied or entered into an individual voluntary arrangement with creditors?

Yes No
f) Ever been disqualified from acting as a Company Director?

Yes No
g) Been director of a company or partner of a business that:
i) went into liquidation, administration, or was subject to an insolvency process or scheme of arrangement with creditors?

Yes No
ii) incurred a County Court judgement(s) that remains unsatisfied?

Yes No
Additional information
Any further Information or material facts you should or would like to advise Underwriters?

Yes No
Additional Information: Any further information or material facts you should or would like to advise Underwriters? No Declaration 0 The information you have provided in this statement together with the presentation of risk contains statements and facts that the Underwriter will rely upon when deciding whether to accept this insurance and the terms offered including the amount of premium payable. If you are in any doubts as to the completeness and accuracy of the statements and facts you are providing you should consult with your insurance adviser. During the period of the insurance you must tell your insurance adviser as soon as reasonably possible if you become aware that any of the statements and facts that you have provided have changed. We declare that : i. the statements and facts given are true accurate. If any statement or fact has been written by any other person, such person shall for that purpose be regarded as my/ our agent and not the agent of the Underwriters.
Should be Empty:

Commercial Express: Café and Restaurant

Please answer the following questions in respect of the premises you trade from

The premises of the business being proposed

Maintenance and safety

Used of insured property

Please answer the following questions in respect of the premises you trade from

Trade selection

Maintenance and safety

Third party interest cover required buildings

Contents and stock

Extra covers

Money

Security

Employer reference number (ERN) / Employer PAYE reference

Additional information