After breakfast service, the team prepares cash takings for deposit while the venue resets for lunch. Before the deposit is completed, an unknown person enters the premises and steals the cash, creating an immediate shortfall in cash available for day to day operating expenses.

Money Cover is a benefit commonly included under Business Pack Insurance. It is designed to cover loss of business money while at the premises, in transit, in a locked safe or strongroom, or in the custody of an authorised person.

While collecting fresh produce and ingredients from a supplier, goods are damaged in transit on the way back to the venue. Part of the order is unusable on arrival and replacement stock needs to be sourced urgently to keep the menu running.

Goods in Transit cover is a benefit available under some Commercial Property or Business Pack Insurance policies. It may respond to loss or damage to your stock or goods while being transported."

A grease fire starts on the cook line during service and damages part of the kitchen canopy, ceiling and nearby stock. The venue shuts while repairs are completed, and bookings and regular trade are interrupted across the week.

Commercial Property Insurance may respond to repair or replacement costs for insured premises, contents and stock damaged by an insured event. Business Interruption Insurance may also respond to income losses and additional costs incurred during the period of closure.

A staff member spills a hot drink onto a customer while moving through a crowded service area. The customer alleges burns and ongoing discomfort, then seeks compensation for treatment costs and related financial loss.

Public Liability insurance is designed to cover third party injury claims and defence costs arising from your business activities.