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Frequently Asked Questions

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Pub and Wine Bar Questions

  • I don’t have a name for my business. Can I still get insurance coverage?
    A business name is a mandatory field for all companies.
  • I have guest rooms at my Pub. Can this be covered under a Pub policy or will I have to purchase separate Guest House Insurance?
    Guest rooms can be covered under this policy
  • How many staff can I employ under Pub Coverage?
    There are no limitations to staff numbers, but as part of your application we will ask you how much you pay in staff wages per year.
  • I drive a private car to do deliveries and pick up items for the restaurant. Is the stock in transit covered under the Pub Policy?
    Stock in Transit is standard under Pub coverage as long as the vehicle is owned or leased by you as the business owner.
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Restaurant Insurance Questions

  • I don’t have a name for my business. Can I still get insurance coverage?
    A business name is a mandatory field for all companies.
  • I have a vehicle for my restaurant. Can that be covered under a restaurant insurance policy?
    Unfortunately, no. Any vehicles are not covered by restaurant coverage, but our insurance provider does offer vehicle insurance as a separate product. Please contact us for more information.
  • I have guest rooms at my restaurant. Can this be covered under a restaurant policy or will I have to purchase separate Guest House Insurance?
    Under our Restaurant Insurance, we can cover up to four guest rooms within your establishment. If you have between 4-12 rooms, it is likely that our Guest House policy will apply to you. Please contact us for more information.
  • How many staff can I employ under Restaurant Coverage?
    There are no limitations to staff numbers, but as part of your application we will ask you how much you pay in staff wages per year.
  • I drive a private car to do deliveries and pick up items for the restaurant. Is the stock in transit covered under the Restaurant Policy?
    Stock in Transit is standard under restaurant coverage as long as the vehicle is owned or leased by you as the business owner.
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Cafe and Sandwich Shop Insurance Questions

  • What types of Café and Sandwich Shop establishments do you insure?
    We can offer cover for almost all types of shops including: Coffee shops, Bistro’s, etc.
  • Do I need Public Liability Insurance and can you cover me?
    Yes, and Yes. Any business owner or manager, such as a cafe business, where members of the public come onto your premises, has a responsibility for their welfare, so you will certainly need public liability insurance. As for covering you, that’s what we do, making it our business to protect your business, so you’ll find that our cafeinsurance coverage comes with the liability insurance cover you require as standard.
  • What is an Employer Reference Number (ERN)?
    The ERN or Employer Reference Number is also known as the Employer PAYE Reference, is given to every business that is registered with HM Revenue & Customs (HMRC) as an employer. Businesses that pay any employee above the PAYE threshold are required to have an ERN, which is the reference number for their employees’income tax and national insurance contributions
    The ERN is printed on mandatory documents including the P45, P60, P11/D, and on most pay slips. The format of the ERN is usually 999/XX99999 or 999/X99999.
    Some businesses are not assigned an ERN because all employees (including labour only subcontractors, trainees and apprentices) are paid below the PAYE threshold.
  • We lost power and suffered loss of refrigerated items. Are we covered for the loss of these items from the lack of electrical power that was outside of my control?
    We provide coverage up to £10,000.
  • I own more than one Cafe and Sandwich Shop, can multiple locations be covered by one policy?
    At this time, our policies cover only one shop per insurance policy.
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Hotel and Guest House Insurance Questions

  • I don’t have a name for my business. Can I still get insurance coverage?
    A business name is a mandatory field.
  • I have a vehicle for my hotel. Can that be covered under hotel/guest house insurance policy?
    Unfortunately, no. Any vehicles are not covered by guest house/hotel coverage, but our insurance provider does offer vehicle insurance as a separate product. Please contact us for more information.
  • My hotel/guest house type is not listed on your application options
    If you do not see your type of establishment on our list, or find a best match for your type of hotel, please contact us for more information and assistance.
  • I own multiple hotel/guest house’s. Can they all be covered under one policy?
    Unfortunately, our policies are designed for only one establishment per policy. You can hold more than one policy.
  • My hotel/guest house is also a restaurant, pub, etc. Can I get coverage with multiple trades at one site?
    If your guest house has between 4-12 bedrooms with a bar or restaurant attached, we will most likely be able to cover you under Guest House Insurance. If your main business is the making and serving of food or drink and you have no more than 4 bedrooms, your business is better suited to Restaurant or Pub Insurance. Please contact us if you have any questions or concerns regarding which insurance would be right for you.
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Residential Landlord Insurance Questions

  • Are boilers covered?
    All landlord insurance coverage includes buildings cover that provides for equipment break-downs, such as boilers. This covers repair or replacement of your boiler, it does not cover normal wear and tear.
  • How do I get in touch via email?
    All communication regarding your policy and claims must be made via phone, email or post. Our office hours are: Monday to Friday 09.00am – 5.30pm
  • Can I renew my policy online?
    Yes you can instruct us to renew your policy online. You can also do this over the phone, or via email.
  • If I receive a quote for insurance coverage, how long is it good for? How far in advance can I request a quote?
    Your insurance coverage quote is valid for 30 days from the day you receive it; you can only request a quote within 30 days of your renewal date.
  • I live outside the UK. Can I purchase landlord insurance?
    As long as the property you wish to insure is in the UK, you are eligible to purchase landlord in-surance. Our company only provides coverage for properties within the UK.
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Takeaway Insurance Questions

  • I have a vehicle for my Takeaway Shop. Can that be covered under a Takeaway Shop insurance policy?
    Unfortunately, no. Any vehicles are not covered by Takeaway Shop coverage, but our insurance provider does offer vehicle insurance as a separate product. Please contact us for more information.
  • How many staff can I employ under Takeaway Shop coverage?
    There are no limitations to staff numbers, but as part of your application we will ask you how much you pay in staff wages per year.
  • I drive a private car to do deliveries and pick up items for the Takeaway Shop. Is the stock in transit covered under the Takeaway Shop Policy?
    Stock in Transit is standard under Takeaway Shop coverage as long as the vehicle is owned or leased by you as the business owner.
  • I have a function room at my establishment for private and special events. Are there restrictions on what type of functions I can hold there?
    This will depend on what the function room is used for. It is likely it is able to be covered, but when you apply for coverage, our customer service representative will enquire about its uses to determine if we can insure it.
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Retail Shop Insurance Questions

  • I do not see my particular trade or type of retail shop listed on your website. Can I still purchase insurance?
    Yes, please choose ‘Other’ and manually complete the text box provided
  • I have a van for my retail shop. Is this covered under the Shops policy?
    Unfortunately, our retail shops policy only covers the shop and premises. It cannot cover vehicles, but please get in touch with us about our separate van insurance policies.
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Commercial Landlord Insurance Questions

  • Are boilers covered?
    All landlord insurance coverage includes buildings cover that provides for equipment break-downs, such as boilers. This covers repair or replacement of your boiler, it does not cover normal wear and tear.
  • How do I get in touch via email?
    You may contact us via email or through various contact options on our website. Our opening hours are; Monday to Friday 09.00am-5.30pm.
  • Can I renew my policy online?
    Yes you can instruct us to renew your policy online. You can also do this over the phone, or via email.
  • If I receive a quote for insurance coverage, how long is it good for? How far in advance can I request a quote?
    Your insurance coverage quote is valid for 30 days from the day you receive it; you can only request a quote within 30 days of your renewal date.
  • I live outside the UK. Can I purchase landlord insurance?
    As long as the property you wish to insure is in the UK, you are eligible to purchase landlord insurance. Our company only provides coverage for properties within the UK.
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