From Restaurants, Cafes, Pubs, Hospitality Business, Takeaway and Delivery, Fine Dining, Specialist Menus, Party and Wedding Catering, Hog Roasts and BBQs, they’re all different and require bespoke insurance from a specialist.
The catering and hospitality industry has unique requirements within the Insurance market and AIC are pleased to offer a competitive market of Insurers with specialist knowledge in the cover required. At AIC our team of specialist advisors will spend time with you gathering the information Insurers require to be able to offer the best policies, terms and of course premium. 2020 and 2021 have been particularly difficult for the hospitality industry with lockdowns and uncertainty regarding trading and restrictions and we have been pleased to help our clients through this troubling time.
Any business offering services to the public has to think about the type of insurance which is appropriate and which are legal requirements, these covers can include, Public Liability, Products Liability, and of course Employers Liability which is a legal requirement to cover staff. Our polices can be tailored to individual requirements and can include cover for Buildings, Contents, Tenant Liability (for rented premises), outside Events, Takeaway services, Display Events such as Cooking and Food Preparation Courses for the Public and of course the valuable Business Interruption cover which will assist you if the business is unable to trade due to a claim!
Our advisors will check if you have the relevant Health and Safety policies in place, if the Food Standards Agency requirements and ratings have been awarded, security arrangements such as physical locks or door security for pubs and nightclubs, if cooking equipment and fire safety reports are obtained regularly and records kept. This is information which when you are looking for insurance you may not think about, this is where the experience that we have at AIC comes into play, we know what information Insurers require, and by us gathering the details means that we can obtain the appropriate cover for you, leaving you concentrate on running your business.
At AIC you will have a personal Account Handler, a point of contact, we aim to develop and maintain a great working relationship with our clients, to understand your business, no push 1 push 2 telephone options, always a friendly, professional voice at the end of the phone ready to help with all questions and queries, even the smallest query, all are important for the peace of mind for our clients.
In any industry it is good to expand and diversify, this can come with challenges and different requirements to insurance policies, for example businesses may decide to offer a takeaway service in addition to in-house dining, this needs to be advised to Insurers, to make sure the existing cover can extend to include, perhaps the business will offer outside/pavement dining increasing the number of covers daily, again the Insurers will need to be made aware of this to ensure Public Liability cover is extended/adequate and of course the business will need to check with local authorities to ensure they are authorised to do this. All of these changes should be discussed with your insurance advisor at AIC, who will refer to Insurers on your behalf, we can offer the benefit of our experience in these areas.
Unfortunately claims and incidents do occur in business, and this is why you take insurance right? Claims can take various forms they could be of a material damage nature ie damage to property, fire, flood etc which could prevent trading, or on a Liability basis with a claim from a customer. At AIC we will liaise with Insurers, make sure that everything is dealt with in a professional and efficient manner, taking the stress away from the client and enabling the business to keep running meanwhile, that might require assistance with business interruption cover, perhaps with alternative premises, or retaining staff during a period of difficulty following a claim, which is extremely valuable cover. Business Interruption cover could mean the difference between the business ceasing or getting back on track and at AIC we would always recommend that this cover is included in a policy.
AIC are local, with many years of experience advising, and assisting businesses with all aspects of insurance cover, we are ready and waiting to take your call.
Let’s work together.