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Cover for Buildings and Contents Insurance, as well as stock deterioration, business interruption and public liability.
Cover can vary depending on your individual needs, but commonly include:
As a business owner, you’re legally responsible for the health and safety of those you interact with. For example, if a customer or supplier is injured on your premises, they could sue you for damages. Public liability insurance can protect you against large compensation payouts, as well as the legal fees spent defending such claims.
When a small business is hit by theft or fire, cashflow is often the next hurdle it must face. Business interruption policies help cover loss of income and keep cash flowing during temporary closures – helping you get back up and running as soon as possible.
When you own a pub or eatery, relatively minor events like a broken freezer or small kitchen fire can become serious crises if stock gets ruined in the crossfire. Stock deterioration cover helps pub, café and restaurant owners replace stock in the event it is damaged and unsalable.
Please note this is not a comprehensive list. Additional covers are available to ensure your business is suitably protected.
The hospitality trade varies greatly, ranging from small family run businesses to larger inner city establishments. Whatever size and type of business you run, there are risks that you, your staff and customers face that need to be covered.
Arthur J. Gallagher will search a panel of insurance providers for quotes tailored to your business’ insurance needs.
A few quick details are needed to provide a quote over the phone to find policies suitable for you. Once policies are selected, you’ll get the policy details to review. You won’t have to make any decisions about whether to proceed until after you see the policy detail.