At the end of a busy lunch service, staff prepare the day’s takings for deposit. Before the money reaches the bank, it is stolen during an attempted hold up, leaving the business short of cash needed for suppliers, wages and the next day’s trade.

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 transporting fresh produce collected from a supplier to your venue, goods are damaged in transit due to an accident. Stock is unusable on arrival and replacements need to be sourced before service.

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 fire starts in the cooking area after service and damages part of the fitout, stock and extraction system. The venue cannot reopen for several days while repairs, cleaning and inspections are completed and trade is interrupted.

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.

During a busy lunch rush, a customer slips near the ordering area and falls heavily. They later allege the business failed to keep the area safe and seek compensation for treatment costs, time off work and other loss arising from the incident.

Public Liability Insurance may respond to third party injury claims arising from your business premises and operations.