Office, Surgery, Shop, Hotels & Guest Houses, Restaurants & Takeaways, Pubs & Wine Bar Insurance
This is a fixed cover package especially written for the above sectors of business and incorporates all the essential covers under one policy:-
- Property Damage All Risks including Accidental Damage(with optional cover for Subsidence) for Buildings or Tenants Improvements, Stock, Materials and Work In Progress, Customers Goods in your custody or control, All Other Contents, Plant, Machinery, Tools & Equipment, Signs and Nameplates
- For Hotels & Guest Houses there is an option to cover Guests Personal Effects and/or Household Goods and Personal Effects of the Owner/Manager and members of his/her family permanently residing with him/her
- Burglary/Theft
- Free Seasonal Increase on Stock sum insured(can be tailored according to your business)
- Business Interruption for Loss of Revenue/Gross Profit and/or Increased Costs of Working
- Money - cover for money stolen from your premises/in transit and death/injury benefits following assault
- Glass Breakage(accidental breakage of fixed internal/external glass and sanitary)
- Outstanding Debit Balances
- Employers Liability
- Public Liability
- Products Liability including Food Poisoning
- Deterioration of Frozen/Chilled Stock
- Loss of Statutory Licence
- Goods in Transit
- Personal Accident (Group or Individual)
- Legal Expenses option - not all insurers offer this as an extension to the policy or even offer this type of insurance at all, so a separate policy may be required with a specialist insurer.
Paul Monaco on 01865 813310 or p.monaco@focus-oxford.co.uk