Restaurant Insurance
Exclusions and limitations
Please refer to policy document for terms and conditions.
These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to security requirements, alarms and under insurance, as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms & conditions may be applied in certain cases. Excesses apply to certain types of claims.
- Damage to signs - Cover excludes neon signs. See Extension 2 of Section 1 for terms and conditions.
- Stock in any cellar or basement must be placed on racks at least 150mm above floor level - see Section 1 of the Policy Document - Contents of the Licensed Premises item A2 and A3, for terms and conditions.
- Goods in Transit (Security) - if vehicle is left unattended it must be locked at all points of access and in addition it must be garaged in enclosed premises which are securely locked or have a watchman in constant attendance between the hours of 9pm and 6am. See Section 1 item E3 of the Policy Document for terms and conditions.
- Goods in Transit (Frozen or Chilled Foods) - Cover excludes deterioration of goods due to faulty stowage, incorrect setting or operation of the equipment or variations in temperature unless directly due to fire, or accident to the vehicle or theft or attempted theft. See Section 1, Extension3, Exclusion a) for terms and conditions.
- Money on Premises - Money left unattended and not contained in a locked safe will be limited to £500. See Extension 5 of Section 1 for terms and conditions.
- Money cover does not extend to include money in any Automated Teller Machine unless specifically agreed by us and endorsed in your policy. Increased levels of security may be required.
- Transition Condition - is a condition precedent to liability that whenever money in transit exceeds £2,500 at any one time:
a) the money must be accompanied by not less than two responsible adult persons.
b) not more than £2,500 will be carried by any one person. - Personal Accident - Assault - Age limits of 16 to 70 apply. Compensation for death, loss of limb or sight only applies if they occur within two years of sustaining the bodily injury. See Extension 6 of Section 1 for terms and conditions
- Property in the Open - cover excludes loss or damage to moveable property caused by storm or flood.
- Unoccupancy - We must be notified immediately if any Licensed Premises becomes unoccupied and a suitable extra premium paid if required. See Clause H of Section 1 of terms and conditions.
- Business Interruption - Loss of gross profit to your business following the failure of the public supply of electricity, gas, water or telecommunications is limited to interruption caused by destruction or damage occurring at the premises of the supplier. See Section 2 Extension 4 of the Policy document for terms and condition.
- Pollution or Contamination - is excluded other than by a sudden and unforeseeable incident which takes place in its entirety at a specific time and place during the Period of Insurance - see section 3(b) of the Policy Document - Public and Products Liability, item C. Pollution or contamination occurring in the USA or Canada is excluded.
- Cloakrooms - Cover excludes:
- Loss or damage caused by fire and/or explosion
- Loss from any unlocked and unattended cloakroom
- Loss or damage to jewellery, watches and the like.
Cloakroom warning notice will be required - Asbestos Exclusion - Only applicable to Public and Products Liability. We will not be liable for legal liability in respect of injury, loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos.
Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodity, article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage. - Minimum standards of security apply. Theft and theft of money is excluded unless the security requirements are fully complied with. Click here for details.