Simple & Smart Insurance

The best catering and restaurant establishments don’t just provide a great atmosphere and mouth watering cuisines but they also provide a safe and risk free environment. It is a known fact that the best restaurateurs are the also the best business minded individuals, as they understand that in a such a fast paced industry it is vital that that employee and customer health and safety is not risked and address the issue by implementing a comprehensive insurance policy.

• The contents of the establishment

  (for example tables, furniture including breakdown or mechanical cover for all equipments like boilers etc)

• Employers Liability Insurance

  (protection for claims made by employees at work as a result of illness or injury whilst in your employment, this can include past employees)

• Public Liability

  (protection against claims arising as a result of damage or injury caused by you or businesses to someone else or their property)

• Loss of Earnings

  (protection against loss of capital whilst in transit, in a safe, on site, or in the home of a business principle or employee)

• Product Liability

  (protection against claims arising due to a defective product which causes harm or damage to third party, for example by accidently using an out of date ingredient causing food poisoning)

• VAT investigation cover or any HMRC investigation

  (our in house underwriting policies include Free HMRC Investigation and Free Electrical and Mechanical breakdown cover)

• Free Breakdown Cover

  (Free Electrical and Mechanical breakdown cover)