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Quotation Request

Public House & Wine Bar (BII)

Client Details
Declaration
Premises
Cover Details
Cyber
Risk Information
Underwriting
Surveys

Client Details:

When taking out insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair presentation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair representation of the risk and will be deemed to know what should reasonably have been revealed by the search.

Your duty of fair representation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair representation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.

Please complete all details:- (Hover over blue info box if help is required)
When would you like the policy to start?
Should cover be required, this would form the start date of the policy (This cannot be more than 45 days from today)
Your Name / Company Name t/as Trading Name
Of proposed 'Insured'
i.e. Mr John Smith t/as The White Horse or Public House Ltd t/as The White Horse
Risk Address
Contact Number
Mobile Number
Email Address
These details will be used to access your account area and all Policy Documentation will be sent to the Email Address you provide.
Please advise the reason why your business is ERN Exempt?
/
Is there a Third Party Interest, such as a Bank or Building Society to be Noted?
Third Party Interest
Post Code Used For Lookup
Area Code from Lookup
Postcode For Lookup LV=
Flood Lookup LV=
Subsidence Lookup LV=

Declaration:

Please confirm the following statements:-
Neither I, nor any directors or partners in the business have ever:-
made a claim or suffered an incident that could have given rise to a claim in respect of business insurance at these premises or any previously occupied premises in the last five years.
Please confirm full details of each claim:
Date of OccurenceType of ClaimFull DetailsAmount PaidReserve AmountMeasures Taken
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had an insurance contract cancelled by an insurer.
Please provide full details:
had an insurance contract declared void by an insurer.
Please provide full details:
had different terms applied to an insurance contract by an insurer due to misrepresentation by:

  • providing misleading or incorrect information
  • deliberately or recklessly withholding information
  • providing false documents
  • Please provide full details:
    had insurance cover restricted or cancelled due to non-compliance with risk improvement requirements.
    Please provide full details:
    been convicted of or charged with but not yet tried for a criminal offence other than motoring offences.
    NOTE: Spent convictions (as defined under the Rehabilitation of Offenders Act 1974 or any similar or subsequent legislation) do not need to be declared.
    Please provide full details:
    Health & Safety
    Neither I, nor any directors or partners in the business either personally or in connection with the business or in any other business capacity has ever been:-
    convicted of (or charged but not yet tried with) a breach of any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    served with a prohibition notice or improvement notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    served with a clean-up notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    All lifting plant and pressure vessels/boilers which are subject to Statutory Regulations are regularly inspected by qualified engineers as required by the legislation.
    To the best of our knowledge we comply with our legal obligations under UK health and safety legislation.
    Financial
    Neither I, nor any directors or partners in the business or in the name of any other business which any of us had an interest have:-
    been declared bankrupt or insolvent either as private individuals or in connection with any business within the last ten years.
    Please provide full details:
    been disqualified from holding a directorship.
    Please provide full details:
    been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt as private individuals or in connection with any business within the last six years.
    Please provide full details:
    been a director or partner in a business that has been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt within the last six years.
    Please provide full details:
    been officers of a company that has been declared insolvent, or had a receiver or liquidator appointed, or entered into arrangements with creditors in accordance with the Insolvency Act 1986 within the last ten years.
    Please provide full details:

    Premises and Surroundings:

    Please confirm the following statements regarding the premises where you run your business:-
    To our knowledge the Premises have never been flooded nor show signs of having been flooded in the past 10 years.
    Please provide full details:
    The premises are not within 400 metres of any river, open body of water or the sea.
    Please provide full details:
    The premises have not suffered from, or show, any visible signs of damage from subsidence, landslip or ground heave.
    Please provide full details:
    The premises have not been underpinned.
    Please provide full details:
    The premises have not suffered structural movement or are showing signs of any structural movement or cracking whether external or internal.
    Please provide full details:
    To our knowledge the surrounding area within 100 metres of the premises is not susceptible to subsidence.
    Please provide full details:
    The premises are not within 100 metres of any river bank, railway embankment or cutting, cliff or quarry, mine or other underground working or on made up ground.
    Please provide full details:
    The electrical system has been inspected in the past 5 years by a NIC/EIC, ECA, ELECSA or NAPIT accredited electrician and all defects remedied.
    I/We will comply with the above and have the electrical system inspected by a NIC/EIC, ECA, ELECSA or NAPIT accredited electrician and all defects remedied within 45 days of the inception of any insurance granted.
    The buildings insured (other than outbuildings) are entirely constructed of:
    Walls : brick, stone or concrete

    External covering of roof : slates, tiles, concrete, metal, glass, asbestos or asphalt

    Please note if there are any composite or insulation panels on the premises, this question must be 'Disagree' and full details given below.

    Please provide full details:
    If the premises has a flat asphalt / timber / felt roof, this has been inspected by a competent builder or professionally qualified surveyor at least once in the last 2 years and all defects rectified.
    What percentage of the total roof is flat asphalt / timber / felt:
    %
    My roof has not been inspected /maintained as required but I undertake to have the required inspection carried out and repairs completed within 45 days of the inception of any insurance granted.
    The premises are and will be maintained in a good state of repair.
    Please provide full details:
    No part of the premises are listed by English Heritage or Cadw or Historic Scotland.
    Please provide full details:
    No part of the premises was built prior to 1850.
    Please provide full details:
    The premises are not undergoing or will not be undergoing any structural alterations or repairs or have planning permission or seek planning permission to undertake any such alteration or repair.
    Please provide full details:
    Our business is the sole occupant of the premises.
    Please provide full details:
    The premises is entirely self contained.
    i.e. with a separate lockable entrance and exit
    Please provide full details:
    The business is not located within a warehouse, factory, industrial unit, shopping centre or premises with multiple tenants.
    Please provide full details:
    The business is not left unoccupied or unused for more than 30 consecutive days.
    Please provide full details:
    How many letting rooms are on the premises:
    As your premises has more than 7 letting rooms, you will need to input this under the 'Hotel & Guesthouse' product for a quotation
    None of these rooms are let on a long term basis.
    Please provide full details:
    The premises are occupied overnight by the owner/director or at least one employee.
    The premises have 5 Lever Mortice Deadlocks on all exit doors (except fire doors) and key operated locks on windows.
    I/We will comply with the above and have 5 Lever Mortice Deadlocks on all exit doors (except fire doors) and key operated locks on windows fitted within 45 days of the inception of any insurance granted.
    The premises are protected by an intruder alarm.
    What type of alarm are the premises protected by:
    The intruder alarm is maintained by a company approved by either British Insurance Industry Association (BSIA), The National Security Inspectorate (NSI) or The Security Systems and Alarms Inspection Board (SSAIB), on an annual basis.
    The premises is thoroughly protected by a fire alarm system, under the sole control of the insured.
    What type of fire alarm is installed?
    Who is the fire alarm maintained by?
    There is no open fire, woodburning or multifuel stove on the premises.

    Cover Details:

    Make sure you input the maximum amount of cover you would need for each of the options below:
    Buildings
    The total cost to rebuild your property, including materials, labour and professional costs
    £
    Tenants Improvements
    Tenants Improvements are changes to the structure of the property you are trading from.
    £
    Trade Contents, Fixture & Fittings
    Excluding Stock in Trade
    £
    Contents up to £25,000
    £
    Contents up to £75,000
    £
    Contents Up To £175,000
    £
    Contents over £175,000
    £
    Electronic Equipment & Computers
    £
    Domestic Contents

    If you live on your business premises you can insure your personal domestic contents on this policy whilst they are on the premises. Please note that this does not extend to any items away from the home.

    Single article limit of £2,500

    Maximum amount which can be covered is £40,000

    £
    Are there any valuables with a single article limit of over £2,500?
    Includes jewellery, watches, antiques and fine art.
    Please specify all items with a single article limit over £2,500:
    Please include description, value etc.
    Stock
    This includes all dry stock, frozen foods, soft drinks and beer
    £
    Stock up to £25,000
    £
    Stock up to £75,000
    £
    Stock up to £175,000
    £
    Stock over £175,000
    £
    Wines & Spirits
    £2,500 included in the policy automatically - Any amount over this is chargeable
    £
    Wines & Spirits Up To £2,500
    £
    Wines & Spirits Over £2,500
    £
    Tobacco
    £
    Deterioration of Stock
    £2,000 included in the policy automatically - Any amount over this is chargeable
    £
    Deterioration of Stock Up To £2,000
    £
    Deterioration of Stock Over £2,000
    £
    Goods In Transit
    £2,000 included in the policy automatically - Any amount over this is chargeable
    £
    Goods In Transit Up to £2,000
    £
    Goods in Transit Over £2,000
    £
    Money During Business Hours and In Transit
    £5,000 included in the policy automatically - Any amount over this is chargeable
    £
    Money in Transit Up To £5,000
    £
    Money in Transit Over £5,000
    £
    Money in Locked Safe outside Business Hours
    £2,000 included in the policy automatically - Any amount over this is chargeable. Full details of the safe will be required to increase the limit over £2,000
    £
    Money in Safe Up To £2,000
    £
    Money in Safe Over £2,000
    £
    Money in Gaming Machines
    Overall amount in all machines
    £
    Number of Gaming Machines
    Gaming Endorsement
    £
    BI Business Charged
    £
    Aqueous Extensions
    Equipment Breakdown
    £
    Employers Liability is automatically included at £10,000,000
    Protection if an employee is injured at work
    Public and Products Liability is automatically included at £5,000,000
    Protection if you are responsible for an injury to a member of the public or damage their property
    Excess
    £
    Flat Roof Excess
    £
    Subsidence Excess
    £
    Set Claims Discount @ % £0.00
    Set + Auto Load £ £0.00
    Set New Business Load @ % £0.00
    Set Claims Load @ % £0.00
    Set Discretionary Disc @ % £0.00
    Set Discretionary Load @ % £0.00
    Set Listing Load @ % £0.00
    Set Ireland Load @ % £0.00
    Set Flat Roof Load @ % £0.00
    Set Renewal Load @ % £0.00
     
    ARAG Legal
    £
     
    Cyber
    £
     

    Cyber

    Is Cyber cover required?
    If Cyber Business Interruption, Hacker Damage or Cyber Extortion or a higher Limit of Indemnity are required, then please quote through our full Cyber offering.
    Cover includes:

    • Breach Costs

    • Privacy Protection

    • Media Liability

    Limit of Indemnity - £25,000

    £40.00 plus Insurance Premium Tax

    The Customer’s business activities don’t involve any of the following:
    • airlines • FCA regulated entities • credit rating agencies • financial institution (including but not limited to banks and building societies); • gambling company or operator • government department or agency, council, local authority of public body; • healthcare or medical provider; • payment card processor or gateway, payroll processor; • social or professional networking site or service; • dating site or service; • franchisee or franchisor; • producer, distributor, advertiser or broadcaster of pornography; • data warehouse, direct marketer, data aggregator or information broker; • family planning or substance abuse centre or service, adoption agency or abortion clinic; • mobile application or video game developer or publisher; • insurer or insurance broker; • business process outsourcer; or • travel agency or tour operator.
    The Customer does not process, transact or store annually, more than 100,000 personal data records.
    The measure for this is the number of individuals whose information the Customer processes, regardless of how many times or pieces of information there are on that individual.
    The Customer is domiciled in the United Kingdom of Great Britain and Northern Ireland.
    The Customer does not conduct any business or have any clients in the United States of America or Canada.
    The Customer encrypts all mobile computing devices (for example laptops, tablets, mobile telephones, PDAs) and portable data storage media (for example USB sticks, flash drive, magnetic tapes) which store, process or have access to personal data.
    The Customer is not subject to Payment Card Industry Data Security Standards (PCI/DSS), or if they are subject to PCI/DSS, is only merchant level 4.
    The Customer:

    • is not aware of any matter that is reasonably likely to give rise to any loss or claim; or

    • has not suffered any loss or had any claim made against them in the last five years.

    The Customer has not had any:

    • regulatory, governmental or administrative action brought against them; or

    • investigation or information request concerning the handling of any personal data made against them.

    Number of Data Records
    CyberExcess
    £
    Cyber Hiscox Reference

    Risk Information:

    No frying is undertaken at the premises, other than shallow frying.
    If you have a deep fat frying range, it is thermostatically controlled.
    If you have a deep fat frying range, it is serviced by a specialist contractor every 12 months.
    I/We will comply with the above and have the range serviced by specialist contractor within 45 days of the inception of any insurance granted.
    All venting and extraction systems, are annually cleaned and maintained by a specialist contractor.
    I/We will comply with the above and have all venting and extraction systems cleaned and maintained by a specialist contractor within 45 days of the inception of any insurance granted.
    Our Local Authority Hygiene Rating is at least 2 or PASS (Scotland).

    Details can be found on www.scoresonthedoors.org.uk

    Please note that the rating cannot be transferred from a previous owner

    I/We have a rating of less than 2 but have complied with all requirements and recommendations the inspector requested and await second visit.
    If there is outside catering it is limited to no more than 10% of the annual turnover.
    Please provide full details:
    Number of Employees:
    A written Health and Safety policy is in place and you have carried out a Health and Safety Risk Assessment of the premises.
    A formal procedure is to be established that periodically audits the effectiveness of the companies health and safety documentation and procedures against best practice and to ensure that it reflects the hazards and risks to which the organisation and its employees and visitors are exposed. Once reviewed the documents should be signed and dated by a director and brought to the attention of all employees on a signed receipt basis.
    I/We will comply with the above and implement a Health and Safety policy and carry out a Health and Safety Risk Assessment of the premises within 30 days of the inception of any insurance granted.
    I/We hold a current and valid licence to sell alcohol on the premises.
    Please provide full details:
    I/We are not aware of any environmental, planning, compulsory purchase or similar local authority legislation or matters pending that are likely to affect the future of our sale of excisable liquor licence.
    Please provide full details;
    Entertainment if any, is limited to no more than 2 nights per week (live bands, pub quizzes, karaoke, etc.) and the attendance capacity is less than 250 people.
    Please provide full details:
    There is no purpose built or specific dancefloor.
    Please provide full details:
    There is no entry fee charge other than at Christmas or New Year.
    Please provide full details:
    The business does not trade past 1am more than two nights per week.
    Please provide full details:
    The business does not employ door / security staff.
    Please provide full details:
    The business does not provide bouncy castles.
    There is no insurance cover provided in connection with a bouncy castle. Please make separate arrangements.
    There is no indoor or outdoor play area.
    Please provide full details:
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    Underwriting

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    Surveys

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