Frequently Asked Questions

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Public Liability Insurance Questions

  • What does public liability coverage include?
    Public liability coverage protects you as the property owner from legal liability for death or bodily harm on third-party individuals (other than an employee). It also covers loss or damage to third party property from out of the operation of your business.
  • What are the coverage exclusions?
    Your policy documents will include any related exclusions, terms, and conditions. For particular questions regarding your policy and any exclusions, please contact our customer service representatives.
  • Will I receive an email confirming my insurance coverage? Are the documents available to print?
    Yes, once you have successfully purchased your policy, you will receive a confirmation email from us within 48 hours of your purchase. This will confirm your coverage and provide you with your necessary policy documents. If you need a confirmation of your coverage urgently, please contact us. Once you receive this email, you are able to view, download, and print your documents from our website. You are unable to print your schedule or proof of insurance.
  • What is the standard excess and out of pocket cost to me?
    The policy excess is found within your policy documents on the 'Your Summary' page. If you have any additional questions, please contact us.
  • What is the standard excess?
    This will depend on what the function room is used for. It is likely it is able to be covered, but when you apply for coverage, our customer service representative will inquire about its uses to determine if we can insure it.
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Pub and Wine Bar Questions

  • I don’t have a name for my business. Can I still get insurance coverage?
    A business name is a mandatory field for all companies.
  • I have a vehicle for my Pub. Can that be covered under a Pub insurance policy?
    I have guest rooms at my Pub. Can this be covered under a Pub policy or will I have to purchase separate Guest House Insurance?
  • I have guest rooms at my Pub. Can this be covered under a Pub policy or will I have to purchase separate Guest House Insurance?
    There are no limitations to staff numbers, but as part of your application we will ask you how much you pay in staff wages per year.
  • How many staff can I employ under Pub Coverage?
    There are no limitations to staff numbers, but as part of your application we will ask you how much you pay in staff wages per year.
  • I drive a private car to do deliveries and pick up items for the restaurant. Is the stock in transit covered under the Pub Policy?
    Stock in Transit is standard under Pub coverage as long as the vehicle is owned or leased by you as the business owner.
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Restaurant Insurance Questions

  • I don’t have a name for my business. Can I still get insurance coverage?
    A business name is a mandatory field for all companies.
  • I have a vehicle for my restaurant. Can that be covered under a restaurant insurance policy?
    Unfortunately, no. Any vehicles are not covered by restaurant coverage, but our insurance provider does offer vehicle insurance as a separate product. Please contact us for more information.
  • I have guest rooms at my restaurant. Can this be covered under a restaurant policy or will I have to purchase separate Guest House Insurance?
    Under our Restaurant Insurance, we can cover up to four guest rooms within your establishment. If you have between 4-12 rooms, it is likely that our Guest House policy will apply to you. Please contact us for more information.
  • How many staff can I employ under Restaurant Coverage?
    There are no limitations to staff numbers, but as part of your application we will ask you how much you pay in staff wages per year.
  • I drive a private car to do deliveries and pick up items for the restaurant. Is the stock in transit covered under the Restaurant Policy?
    Stock in Transit is standard under restaurant coverage as long as the vehicle is owned or leased by you as the business owner.
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Cafe and Sandwich Shop Insurance Questions

  • What types of Café and Sandwich Shop establishments do you insure?
    We can offer cover for almost all types of shops including: Coffee shops, Bistro’s, etc.
  • Do I need Public Liability Insurance and can you cover me?
    Yes, and Yes. Any business owner or manager, such as a cafe business, where members of the public come onto your premises, has a responsibility for their welfare, so you will certainly need public liability insurance. As for covering you, that’s what we do, making it our business to protect your business, so you’ll find that our cafeinsurance coverage comes with the liability insurance cover you require as standard.
  • What is an Employer Reference Number (ERN)?
    The ERN or Employer Reference Number is also known as the Employer PAYE Reference, is given to every business that is registered with HM Revenue & Customs (HMRC) as an employer. Businesses that pay any employee above the PAYE threshold are required to have an ERN, which is the reference number for their employees’income tax and national insurance contributions
    The ERN is printed on mandatory documents including the P45, P60, P11/D, and on most pay slips. The format of the ERN is usually 999/XX99999 or 999/X99999.
    Some businesses are not assigned an ERN because all employees (including labour only subcontractors, trainees and apprentices) are paid below the PAYE threshold.
  • We lost power and suffered loss of refrigerated items. Are we covered for the loss of these items from the lack of electrical power that was outside of my control?
    We provide coverage up to £10,000.
  • I own more than one Cafe and Sandwich Shop, can multiple locations be covered by one policy?
    At this time, our policies cover only one shop per insurance policy.
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Hotel and Guest House Insurance Questions

  • I don’t have a name for my business. Can I still get insurance coverage?
    A business name is a mandatory field only for Limited companies or those in Partnership. If you are the sole owner of the company, you can leave the business name blank on your application for coverage.
  • I have a vehicle for my hotel. Can that be covered under hotel/guest house insurance policy?
    Unfortunately, no. Any vehicles are not covered by guest house/hotel coverage, but our insurance provider does offer vehicle insurance as a separate product. Please contact us for more information.
  • My hotel/guest house type is not listed on your application options
    If you do not see your type of establishment on our list, or find a best match for your type of hotel, please contact us for more information and assistance.
  • I own multiple hotel/guest house’s. Can they all be covered under one policy?
    Unfortunately, our policies are designed for only one establishment per policy. You can hold more than one policy.
  • My hotel/guest house is also a restaurant, pub, etc. Can I get coverage with multiple trades at one site?
    If your guest house has between 4-12 bedrooms with a bar or restaurant attached, we will most likely be able to cover you under Guest House Insurance. If your main business is the making and serving of food or drink and you have no more than 4 bedrooms, your business is better suited to Restaurant or Pub Insurance. Please contact us if you have any questions or concerns regarding which insurance would be right for you.
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Tradesman and Contractors Insurance Questions

Residential Landlord Insurance Questions

  • Are boilers covered?
    All landlord insurance coverage includes buildings cover that provides for equipment break-downs, such as boilers. This covers repair or replacement of your boiler, no matter how old or how it broke down. It does not cover normal wear and tear.
  • How do I get in touch via email?
    All communication regarding your policy and claims must be made via phone, email or post. Our office hours are: Monday to Friday 09.00am – 5.30pm
  • Can I renew my policy online?
    Yes you can instruct us to renew your policy online. You can also do this over the phone, or via email.
  • If I receive a quote for insurance coverage, how long is it good for? How far in advance can I request a quote?
    Your insurance coverage quote is valid for 30 days from the day you receive it; you can only request a quote within 30 days of your renewal date.
  • I live outside the UK. Can I purchase landlord insurance?
    As long as the property you wish to insure is in the UK, you are eligible to purchase landlord in-surance. Our company only provides coverage for properties within the UK.
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Employers Liability Insurance Questions

  • What does employer's liability coverage include?
    Employer's liability coverage protects you as the property or business owner against any claims for compensation from employees who are injured on the job that you are legally liable.
  • What are the coverage exclusions?
    Your policy documents will include any related exclusions, terms, and conditions. For particular questions regarding your policy and any exclusions, please contact our customer service representatives.
  • What is an Employer Reference Number (ERN)?
    The ERN or Employer Reference Number, is also known as the Employer PAYE Reference, is giv-en to every business that is registered with HM Revenue & Customs (HMRC) as an employer. Businesses that pay any employee above the PAYE threshold are required to have an ERN, which is the reference number for their employees' income tax and national insurance contributions.
    The ERN is printed on mandatory documents including the P45, P60, P11/D, and on most pay slips. The format of the ERN is usually 999/XX99999 or 999/X99999.
    Some businesses are not assigned an ERN because all employees (including labour only subcontractors, trainees and apprentices) are paid below the PAYE threshold.
  • Why is my Employer Reference Number needed for an insurance coverage quote?
    If you select Employers' Liability and your business is not exempt from holding a HM Revenue & Customs (HMRC) Employer Reference Number (ERN), you'll need to tell us your ERN.
    We need to give Employers' Liability insurance policy details including, where appropriate, your ERN, to the Employers' Liability Tracing Office (ELTO) who will add the details to their electronic database. The database helps people who have suffered injury or disease at work in the UK quickly and easily find the insurance company, which was providing Employers' Liability insurance at the time their injury, or disease was sustained.
  • What is the Employers' Liability Tracing Office (ELTO)?
    The Employers' Liability Tracing Office (ELTO) is a service set up by the insurance industry. It helps people who have suffered injury or disease at work quickly and easily find the relevant insurance company. To do this, ELTO needs insurance companies to collect their customers' Employer Reference Number (ERN) where cover for Employers' Liability has been included. For more information, please visit www.elto.org.uk
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Takeaway Insurance Questions

  • I have a vehicle for my Takeaway Shop. Can that be covered under a Takeaway Shop insurance policy?
    Unfortunately, no. Any vehicles are not covered by Takeaway Shop coverage, but our insurance provider does offer vehicle insurance as a separate product. Please contact us for more information.
  • I have guest rooms at my Takeaway Shop. Can this be covered under a Takeaway Shop policy or will I have to purchase separate Guest House Insurance?
    Under our Takeaway Shop Insurance, we can cover up to four guest rooms within your establishment. If you have between 4-12 rooms, it is likely that our Guest House policy will apply to you. Please contact us for more information.
  • How many staff can I employ under Takeaway Shop coverage?
    There are no limitations to staff numbers, but as part of your application we will ask you how much you pay in staff wages per year.
  • I drive a private car to do deliveries and pick up items for the Takeaway Shop. Is the stock in transit covered under the Takeaway Shop Policy?
    Stock in Transit is standard under Takeaway Shop coverage as long as the vehicle is owned or leased by you as the business owner.
  • I have a function room at my establishment for private and special events. Are there restrictions on what type of functions I can hold there?
    This will depend on what the function room is used for. It is likely it is able to be covered, but when you apply for coverage, our customer service representative will enquire about its uses to determine if we can insure it.
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Fish and Chip Shop Insurance Questions

  • I have a vehicle for my Fish and Chip Shop. Can that be covered under a Fish Chip Shop insurance & policy?
    Unfortunately, no. Any vehicles are not covered by Fish & Chip Shop coverage, but our insurance provider does offer vehicle insurance as a separate product. Please contact us for more information.
  • I have guest rooms at my Fish and Chip Shop. Can this be covered under a Fish & Chip Shop policy or will I have to purchase separate Guest House Insurance?
    Under our Fish & Chip Shop Insurance, we can cover up to four guest rooms within your establishment. If you have between 4-12 rooms, it is likely that our Guest House policy will apply to you. Please contact us for more information.
  • How many staff can I employ under Fish & Chip Shop coverage?
    There are no limitations to staff numbers, but as part of your application we will ask you how much you pay in staff wages per year.
  • I drive a private car to do deliveries and pick up items for the Fish & Chip Shop. Is the stock in transit covered under the Fish & Chip Shop Policy?
    Stock in Transit is standard under Fish & Chip Shop coverage as long as the vehicle is owned or leased by you as the business owner.
  • I have a function room at my establishment for private and special events. Are there restrictions on what type of functions I can hold there?
    This will depend on what the function room is used for. It is likely it is able to be covered, but when you apply for coverage, our customer service representative will enquire about its uses to determine if we can insure it.
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Hair and Beauty Salon Insurance Questions

  • What types of Hair and Beauty establishments do you insure?
    We can offer cover for almost all types of salon businesses including: Hair salons, Beauty salons, Barbers, Tanning salons, Spa’s, etc.
  • What is the difference between Hair and Beauty Salon insurance and freelance insurance?
    Our freelance, self-employed, or mobile insurance is tailored to meet your needs including Public Liability. However, our salon coverage is designed to meet your every business needs, including your liabilities, your staff, your glass, stock, contents, and any loss of profits through claim. Basically, if you have premises, our salon coverage ensures you are fully protected.
  • What happens if I train in new treatments or therapies?
    We can cover you for those treatments you have told us about and that are shown on your schedule. However, we recognise that businesses grow – and so If you train in new treatments or therapies, just let us know, and we’ll do the rest and add it to your existing policy
  • Am I covered for teaching or training others in my chosen therapies?
    This will not generally be included as standard. However, if there is a UK recognised teaching qualification in place, we can consider including this on your policy.
  • Am I covered if I see clients at home or away from the salon?
    Yes, again, providing you have told us, and we have this added on your policy, we will be able to provide cover for you working away from the salon.
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Retail Shop Insurance Questions

  • I do not see my particular trade or type of retail shop listed on your website. Can I still purchase insurance?
    I do not see my particular trade or type of retail shop listed on your website. Can I still purchase insurance?
    Yes, please choose ‘Other’ and manually complete the text box provided
  • I have several trades. Do I need to pick one or can I have multiple trades under one policy?
    There is an option to select up to seven different trades with our policy. This helps us get a more realistic understanding of your business and your unique needs. Please contact us if you need assistance in selecting trades.
  • I have more than seven trades. What do I do?
    If you need to insure more than seven trades under one policy, please contact us so we can assist you.
  • I don’t have a business name yet. Can I still get insurance?
    I do not see my particular trade or type of retail shop listed on your website. Can I still purchase insurance?
    I have several trades. Do I need to pick one or can I have multiple trades under one policy?
    I have more than seven trades. What do I do?
    I don’t have a business name yet. Can I still get insurance?
    The business name field on the application is only needed if you are a Limited or Partnership company. Otherwise, it can be left blank.
  • I have a van for my retail shop. Is this covered under the Shops policy?
    Unfortunately, our retail shops policy only covers the shop and premises. It cannot cover vehicles, but please get in touch with us about our separate van insurance policies.
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Commercial Landlord Insurance Questions

  • Are boilers covered?
    All landlord insurance coverage includes buildings cover that provides for equipment break-downs, such as boilers. This covers repair or replacement of your boiler, no matter how old or how it broke down. It does not cover normal wear and tear.
  • How do I get in touch via email?
    You may contact us via email or through various contact options on our website. Our opening hours are; Monday to Friday 09.00am-5.30pm.
  • Can I renew my policy online?
    Yes you can instruct us to renew your policy online. You can also do this over the phone, or via email.
  • If I receive a quote for insurance coverage, how long is it good for? How far in advance can I request a quote?
    Your insurance coverage quote is valid for 30 days from the day you receive it; you can only request a quote within 30 days of your renewal date.
  • I live outside the UK. Can I purchase landlord insurance?
    As long as the property you wish to insure is in the UK, you are eligible to purchase landlord insurance. Our company only provides coverage for properties within the UK.
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