• Commercial Express: Café and Restaurant

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

  • The premises of the business being proposed

  • 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.

  • Used of insured property

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

  • Trade selection

  • 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.

  • 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.

  • Third party interest cover required buildings

  • Contents and stock

  • Extra covers

  • 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
    Book debts £25,000
    Loss of Liquor Licence £50,000


    Package Limits
    Deterioration of stock following refrigeration breakdown

    • 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

  • Policy Level Liability covers:

     Employers' Liability

    Public and products Liabilty £2m/£5m

  • Employer reference number (ERN) / Employer PAYE reference

  • 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;

  • g) Been director of a company or partner of a business that:

  • Additional information

  • Should be Empty: