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Caterer's
Combined.
Composite policy to include public/employers/products liability, including
food poisoning risks. Can be extended to include cover for stock on your
own premises as well as on site, cash, goods in transit, equipment such
as tables and chairs as well as hired-in marquees.
Computer Systems,
Loss, damage or breakdown of computers and some related equipment, including
wiring. Extensions include reinstatement of data, consulting engineers
fees, increased cost of working, replacement of software and increased
rental charges.
Employers' Liability
This is a statutory requirement and includes a wide selection of direct
and indirect employees, whether paid or not. Providing an indemnity for
legal liability in respect of bodily injury, death, disease, or illness
sustained by your employees and arising out of their normal course of
employment.
Legal Expenses,
A VITAL part of any insurance portfolio in the current climate of red
tape and litigation. Usually providing an indemnity of £50,000 for legal
and other expenses incurred as a result of employment disputes, VAT disputes,
Inland Revenue investigations, contract disputes, debt recovery, property
protection and tenancy disputes. Also included is FREE 24 hour legal help
line.
Product Liability
Providing an indemnity for legal liability arising from products sold
or supplied or services given or work undertaken in the course of your
business. Frequently automatically included on small package policies
for retailers, hoteliers, small builders and the like.
Public Liability,
Providing an indemnity for legal liability arising from products sold
or supplied; or services given or work undertaken in the course of your
business.
Restaurants/Wine Bars.
Package policies covering general contents including stock in freezers,
wines, spirits and tobacco/glass and sanitary fittings/money/goods in
transit/public and employers liability/loss of profit/loss of liquor licence.
Extensions can include buildings/fidelity of employees/computer breakdown/legal
expenses.
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