INSURANCE SOLUTIONS FOr restaurants, Pubs, cafe’s & Take-Away

If your business manufactures, distributes, or sells food or beverages, product liability insurance is crucial. It provides coverage in case your products cause harm or illness to consumers.

If you have employees, you are legally required to have this insurance. It provides benefits to employees who are injured or become ill while performing their job duties. It covers medical expenses, lost wages, and rehabilitation costs.

If your Food & Beverage place experiences a covered event (e.g., fire, flood, or natural disaster) that forces you to temporarily close, business interruption insurance can help cover lost income, ongoing expenses (like rent or employee salaries), and the costs of operating from a temporary location.

This policy covers your physical assets, such as your building, equipment, furniture, inventory, and signage, against damage or loss caused by fire, theft, vandalism, or other covered perils.

Loss of licence insurance can help you protect against losses from having your alcohol licence revoked and cover costs and expenses incurred when applying to regain

This insurance can help cover legal costs for various situations, such as employment disputes, contract disputes, or challenges to educational policies.

If your business owns vehicles for transportation services or other business purposes, commercial vehicle insurance is necessary to protect against accidents, property damage, or injuries caused by the vehicles.