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

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

Claims Handling Service

Arguably the most important role of an Insurance policy is for it to provide peace of mind and act as a safety net to ensure a company can continue to trade following a large, potentially catastrophic claim.

But what is required from a business owner (or delegated member of staff) following such a claim and how much of their time could potentially be taken up throughout the claims process?

Time would be taken in preparing a claim, speaking to insurers, arranging site visits, arranging building works and negotiating settlements or interim payments with insurers. All this whilst also trying to keep the business running perhaps from alternative premises or other temporary arrangements.

For a relatively small sum, based on the company turnover and wageroll figures, we can provide you with a policy, to sit alongside your main insurance policy, which provides you with a loss adjuster to work on your behalf following an insured material damage claim (Fire, flood etc) which is likely to amount to more than £5,000. Upon notification you will have a loss adjuster on site within 24 hours who will deal with assessment, submission, negotiation and administration of your claim for you. They will also arrange examination of the damage to the the premises by engineers, architects, surveyors or contractors. It's basically designed to help take the stress out of the claim for the company owner whilst enabling them to concentrate in making alternative arrangements for the running of their business.

If you would like more information on this product or would like a quote, please contact us on 01249 463206 or visit our website 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.

Contractors Insurance - Contract Works Extension

A long one (sorry) but worth reading...

Companies who are in the building / construction industry, particularly those extending existing properties or building new ones, must consider all of their options when it comes to insurance. There are many circumstances which you may overlook and potential for huge gaps in cover.

Your legal requirement is to protect your Employees and Labour Only Sub Contractors with Employers Liability cover. This cover pretty much always comes with Public Liability cover to protect you against claims for damage to third parties and third party property.
This is as far as a lot of contractors go in terms of insurance as it ticks the box on the legal side and provides your client with the piece of mind that you have Public Liability in force to protect them and their property.

So, if you're building a £60,000 extension to the side of a property and have spent £50,000 so far in labour and materials to get it a good deal of the way to being finished, what would happen if there was a fire in the property or a storm (or any other standard insurable hazard) and the entire extension came tumbling down? Who's legally liable to pay for this? The client? No! The client's home insurers? No! The client's insurer will not cover the additional structure until the works have been completed on it.

This would leave it down to the main contractor to pay the £50,000 to get it back to the point it was at prior to the loss.

There is an extension to your contractors policy that you can purchase that will cover this, and indeed any contract you do, provided any individual contract doesn't exceed the maximum value and duration you declare at the start of the policy. Also, generally speaking, you would need to arrange this before a contract begins. The extension is called Contract Works cover, which is one of 3 main parts to an extension known as Contractors All Risks (the other two being Own Plant Cover and Hired In Plant Cover). Different insurers offer varying limits of contract value and duration and we have access to insurers with schemes set up for this type of policy.

For more advice, information or to obtain a quotation, please either call Ricky Marshall on 01249 463206
or email your contact details and a convenient time to ricky.marshall@advanceinsurance.co.uk and I'll call you back.
For more information on what Advance Insurance do, please see our website www.advanceinsurance.co.uk