Restaurants (Mid to High End)
Commercial Insurance
Public Sector Insurance
GBP 0
Channel Islands, England, Isle of Man, Northern Ireland, Wales, Scotland
Yes
- Business Interruption
- Employers Liability
- Property Damage
- Public Liability
- War and Terrorism
- mid-high end restaurants
- Additional Coverages include:
- Average Waiver
- Business Interruption for Infectious Disease including Norovirus
- Loss of Income
- Warranty and Condition Precedent Free other than Cooking Condition
Product Overview
Restaurants (Mid to High End) by Touchstone Underwriting Ltd offers tailored insurance for fine dining and high-quality restaurant businesses. This product is built for places with set menus, stylish décor, and a focus on service. Coverage includes business interruption, employers liability, property damage, public liability, and protection against war and terrorism.
Touchstone Underwriting Ltd understands that every restaurant is different, so policies are flexible and can be shaped to fit each client. The product is available to restaurants in England, Scotland, Wales, Northern Ireland, the Channel Islands, and the Isle of Man. Insurance brokers need a contract to access this cover, which is not open to fast food or takeaway outlets.
About Restaurants (Mid to High End) by Touchstone Underwriting Ltd
Extra features include cover for infectious diseases like Norovirus, loss of income, and an average waiver. The policy wording and supplemental form give more details about what is included and any special conditions.
Brokers can find all the documents and contact details on this page. For more details or to get a quote, use the ‘Contact Underwriter for Quote’ option provided or check the linked resources.
Restaurants (Mid to High End) by Touchstone Underwriting Ltd FAQs
What types of restaurants are eligible for the program?
Restaurants (Mid to High End) by Touchstone Underwriting Ltd is designed for fine dining and high-quality establishments. Eligible venues usually offer set menus, quality décor, table service, and a focus on customer experience. Fast food outlets, takeaways, and low-end restaurants are not covered under this policy.
What locations are covered by Restaurants (Mid to High End) by Touchstone Underwriting Ltd?
This insurance product is available to restaurants based in England, Scotland, Wales, Northern Ireland, the Channel Islands, and the Isle of Man. It is tailored for businesses operating within these areas and is not available outside the listed locations.
Are there any extra features included in Restaurants (Mid to High End) by Touchstone Underwriting Ltd, such as cover for business interruption due to infectious diseases?
Yes, it includes several extra features to support restaurant businesses. These features include cover for business interruption due to infectious diseases like Norovirus, an average waiver, and loss of income. The policy is also warranty and condition precedent free, except for cooking conditions, as detailed in the policy wording and supplemental form.
What is the minimum or maximum coverage available?
There is no specified minimum or maximum coverage for Restaurants (Mid to High End) by Touchstone Underwriting Ltd. Coverage limits are set according to each client’s needs and the terms agreed in the policy schedule.
Can Restaurants (Mid to High End) by Touchstone Underwriting Ltd be tailored to individual restaurant needs?
Yes, this policy is bespoke and can be shaped to fit each client’s requirements. Touchstone Underwriting Ltd works with brokers to ensure cover matches the specific risks and operations of each restaurant. Flexibility is a core feature of this product.
What line of business does this policy fall under?
Restaurants (Mid to High End) by Touchstone Underwriting Ltd is offered under commercial insurance and public sector insurance. The policy is designed for the hospitality sector, focusing on restaurants that provide high-quality dining experiences.
Hospitality
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