The hospitality sector has been dealt a massive blow recently and that’s why it’s more important than ever to have the appropriate insurance in place to ensure you are adequately protected.
Phelan Caswell Insurances have over 30 years of expertise in the sector and can help to arrange cover tailored to your needs. Areas we typically provide cover for are pubs, restaurants, hotels, cafes, catering companies, mobile caterers and guest houses.
Covers Available:
- Property Damage
- Public & Products liability
- Employers liability
- Business Interruption
- Engineering and Inspection
Property Cover
A property can be your main asset and as such it is paramount to ensure you have the correct covers in place. Our property policy can cover your structure, fixtures/fittings as well as general contents and stock kept or stored away from your premises.
Public Liability
Liability insurance protects you against financial loss if your actions, your negligence or the condition of your property is found to cause a person to be injured or killed, or a person’s property to be damaged or destroyed
Product liability
Businesses that supply, deliver or sell goods/foods, may need cover against claims of goods causing damage, injury or death. Product liability cover protects you if any of these events happen to another person or business by the failure of a product you are selling.
Employers Liability
This covers you if an employee has an accident or is injured at work and decides to claim against you
Business Interruption
Protection for the disruption to your business from a fire, theft or other property damage.
Business interruption insurance protects your income and make sure you can pay bills and maintain relationships with your clients and suppliers.
Engineering and Inspection
In line with Health & Safety legislation, lifting equipment & pressurised equipment are deemed as “Statutory Items”. This means that they must hold current inspection certificates by an independent qualified person.
Cover for these inspections can be arranged with insurer & the cover can also be extended to include Sudden & Unforeseen Damage to the equipment itself.
