Restaurant Insurance

Each business has it's own individual insurance needs and Restaurants are a good example.

There are many factors to consider together with  important information that must be disclosed.
For example:  Do you have frying equipment? Do you provide entertainment? Do you have a bar
for use by the general public? Do you have a children's play area? Do you provide a takeaway service?
The above is not an exhaustive list but simply a prompt to get ones mind thinking about what you need to consider to ensure that you will be properly insured.

At Advance Insurance we have tailor made policies for Restaurants.

Many online quote systems will only ask for your required sums insured and details of the security
before providing you with a premium indication. This may leave you exposed if an Insurer is not aware
of the full facts.

Call Advance today to discuss your full requirements

Ricky Marshall or David Mann 01249 463206 or Email: ricky.marshall@advanceinsurance.co.uk
                                                                                      david.mann@advanceinsurance.co.uk

Office Insurance

Do you require Office Insurance?

Advance Insurance can offer independent expert advice to ensure you get the protection you require.

Below is a list of items commonly covered together with items that can be optional :

Tenants Improvements

General Contents

Office Based Computers

Portable Computers

Specialist Equipment

Business Interruption

Public & Employers' Liability

Money Cover

Terrorism (optional)

Personal Accident cover (optional)

Fidelity Insurance (optional)

For more information please contact Ricky Marshall on 01249 463206

www.advance-commercial.co.uk

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Employers Liability Tracing Office (ELTO) and Employer Reference Numbers (ERN)

Employers Liability (EL) insurance was made compulsory under the Employers’ Liability (Compulsory Insurance) Act 1969. It effectively means that most employers need to purchase EL insurance in order to trade legally.

EL insurance enables employers to meet the cost of compensation should an employee suffer illness or injury related to the work they do, whether this occurs on or off-site.

Many business owners may be wondering why they have been asked to supply their broker/insurer with their ERN (Employer Reference Number) upon inception of a new policy, or renewal of an existing policy, which incorporates EL cover. The ERN number is passed by the broker/insurer to the Employers’ Liability Tracing Office (ELTO)

ELTO is an independent industry body comprising members who are EL insurers and is a proactive move by the insurance industry to meet its obligations to help those who have suffered injury or disease in the workplace identify the relevant insurer quickly and efficiently. Some injuries or illnesses can take many years to manifest themselves, so this is especially relevant where a company has ceased trading or there is no immediately obvious point of contact to advise of the insurer for a specific cover period.

At the heart of this process is a centralised database – the Employers’ Liability Database (ELD). Claimants, claimant lawyers, employers, brokers, insurers and defendant lawyers can use the search facility where there is a specific claim in question.

There are very few ERN exceptions.

In all cases where PAYE is operated, an ERN is allocated to the employer and the ERN applies to all

UK businesses employing one or more people.

A minority of employers do not have an ERN, including those that:

• Pay all employees below the Lower Earnings Limit, none of the employees has another job, and none of the employees is in receipt of a state or occupational pension or other employee benefits, or;

• Are registered in the Isle of Man, or the Channel Islands (these have no tax presence in the UK).

The ERN is found on many documents including P45, P60, P45, P60, P11/D and many payslips.

ERNs will normally begin with three numbers (representing the tax office whose catchment area the employer falls into) followed by a forward slash and then a combination of letters and numbers. e.g. 083/WY12345.

If you are insured through Advance Insurance Agencies Ltd (AIA) and you haven’t yet supplied your ERN number to us, please call 01249 463206 to do so.

For more information on the services AIA provide, please visit www.advanceinsurance.co.uk

Commercial Combined Insurance

At Advance Insurance we have competitive rates with quality covers available for your Business Combined Insurance requirements.


A business insurance policy that can be tailored to meet all the risks associated with the running of your business - from the processes you use and the premises where you work right through to the goods you buy, sell or store.

Depending on the nature of your business, it protects against:

The loss of, or damage to buildings, contents, machinery and equipment.

Liability claims from third parties and employees.

Mechanical Breakdown that disrupts production.

The loss of, or damage to goods in transit.

The costs of implementing a product recall.

Fidelity.

Business Interruption/Loss of Profit

Legal Protection


For further information or to receive a quotation please contact our office on 01249 463206.

An estimated 200,000+ companies across the UK do not have any insurance cover.

A survey by LV Broker has reported that one in 20 small businesses are not protected or don't have public liability insurance, while more than 350,000 have no employers' liability insurance and are in danger of being fined £2,500 a day. 

Businesses who have employees or use labour-only subcontractors must have employers' liability insurance or face being sanctioned by the Health and Safety Executive.

According to LV's claims data, there has been an increase in EL claims against employers.

LV stated that ‘slips and trips' liability now makes up the largest proportion of claims after theft and damage caused by leaks, storms and accidental damage.

The research also revealed that 16% of office-based businesses and 10% of residential property landlords have no cover in place.

To discuss your business' insurance needs, please contact our commercial office on 01249 463206.

Employers Liability and what is classed as an "Employee"

There is a very (understandable) common misconception within the building / tradesman industry with regards to who is classed as an employee in the eyes of the insurers and the law.

There are 4 types of people who could be appointed by a main contractor and I will explain your obligation toward them if you are the main contractor:

Direct Employees
Labour only Subcontractors
Bona-fide Subcontractors
Volunteers/Work Experience

Direct Employees:
These are people directly employed by the main contractor who work for them on a permanent basis. Obviously the main contractor is obliged by law to provide Employers Liability cover for these people.

Labour only Subcontractors (LOSC):
This is one where most contractors get it wrong. These are people who are subcontracted in by the main contractor (as an extra pair of hands) to help the main contractor with the day to day tasks in the contract. These people will usually be working under the main contractors instruction and will be using the main contractors materials. Regardless of if the LOSC is self employed themselves or not and has their own Public Liability policy, the main contractor will still need to cover them as an employee.

To give an example:
A self employed window fitter (John) wins a job to install a large skylight. The nature of the job requires him to contract in his friend (Dave, who is also a self employed window fitter) to help with the installation. Dave will be working under Johns instruction and will also be using Johns materials. As such John will need employers liability to cover Dave in the event that he instructs him to do something that causes him injury.

Bona-fide Subcontractors:
These are people who are contracted in to perform a task that the main contractor wouldn't do themselves. They will not work under any instruction from the main contractor and will use their own materials.
E.g A builder is building an extension on their clients home, he may subcontract work to an electrician to wire the extension up as the builder does not do electrical work themselves. The electrician will price and invoice the job to the main contractor as though the main contractor was a normal client, will not work under any instruction and will use their own materials.

Bona-fide Subcontractors do not need to be covered as employees. It is the main contractors responsibility to ensure that any BFSC they use has their own Public Liability policy in force though.

Volunteers / Work experience
People appointed by the main contractor doing unpaid voluntary work or work experience need to be covered as employees.

These are a general guideline and are under the assumption that the main contractor appoints and pays the 4 categories above. It can be a bit more complicated if the client starts appointing multiple tradesmen themselves.
In any case it is always best to speak to your insurance advisor to ensure you are adequately covered.
For more information on what Advance Insurance do, please see our website www.advanceinsurance.co.uk