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Date cover required from?
Current insurance held with?
Current insurance premium?
How did you hear about us?
—Please choose an option—AI OverviewChatGPTClaudeGeminiCoPilotMetaGoogle web searchGoogle sponsored resultGoogle AdYahoo web searchBing web searchOther web searchFacebookTwitterLinked InRecommendationExisting clientWord of mouthAdvertisementOther
CONTACT DETAILS
Contact name*
Telephone number*
Email address*
Correspondence address
Town
Postcode
BUSINESS DETAILS
Company name
(Please enter the full name(s) and any trading names as they should appear on policy documents)
Business risk address
Website
Type of trade
—Please choose an option—NightclubLate-night barLive music venueLate-night entertainment venueCabaret clubComedy clubVenue with activitiesOther (please detail below)
If ‘Other’, please provide details below
Trading status?
—Please choose an option—IndividualSole traderPartnershipLimited CompanyNon-Limited CompanyCharity organisation
Date trading since
Number of years trading at this address?
—Please choose an option—0123455+
Number of years trading at a previous address?
INTERESTED PARTIES
Do you need to note the interest of an interested party?
—Please choose an option—YesNo
If ‘Yes’, please provide details below
YOUR PREMISES
Are the premises all of standard non-combustible construction (walls built of brick, stone or concrete)?
If 'No', provide full construction details
Do the premises have a roof constructed of slate, tile, metal or concrete, excluding any flat roof area?
If 'No', provide full roof construction details
Is any part of the roof flat?
If 'Yes' – what percentage?
Does the premises construction have any pre-fabricated insulation panels, composite panels or wall linings?
If ‘Yes’, please provide a full description of the type of panels including the insulation material/core type
If ‘Yes’, are the insulation panels, composite panels or wall linings Loss Prevention Certification Board (LPCB) or FM approved and non-combustible?
—Please choose an option—YesNoNot applicable
Do the premises/buildings have a listed status?
If 'Yes' – what grade?
—Please choose an option—Category A (Scotland)Category B (Scotland)Category C (Scotland)Grade 1 (England & Wales)Grade 2 (England & Wales)Grade 2* (England & Wales)Grade A (Northern Ireland)Grade B1 (Northern Ireland)Grade B2 (Northern Ireland)Grade B+ (Northern Ireland)
What year were the premises built?
—Please choose an option—Pre 18501850 – 19201921 – 19391940 – 19791980 – 19891990 – 19992000 & later
How many storeys do your premises have?
Are the premises in a mill complex?
If ‘Yes’, please provide full details of type of building, which floor(s) you operate from and neighbouring trade types
Location of premises
—Please choose an option—Business park unitIndustrial unitUnit within Iindoor shopping centreSelf contained premises within multi tenure mill complexStreetsideHigh streetIndoor leisure complexOther
If 'Other', please provide full details
Do you trade all year round?
If ‘No’, please provide full details of the periods when the business is closed including the duration of closure and any security arrangements put in place when the business is closed during these periods
Are the premises you occupy self-contained?
(i.e. with a separate lockable entrance and exit)
If ‘No’, please provide full details
Are the premises solely occupied by the business?
If ‘No’, please provide full details of the nature of the other business(es) which share occupancy
Is there residential accommodation at the premises other than that which acts as the private dwelling of the proposer or their employees?
Are the premises occupied by the proposer, or their employees overnight?
The premises have not had any history of flooding and are in an area free from flooding?
The premises are free from, and in an area (within 400m of the premises) which is free from any signs of subsidence, heave and/or landslip?
The premises has had the electrical installation tested by a certified approved contractor within the last 5 years and all reported defects remedied?
The premises are what distance from the nearest police station?
The premises are what distance from the nearest fire station?
Do the premises have an open fire, woodburning or multifuel stove?
SUMS INSURED (REINSTATEMENT VALUES)
Buildings
Subsidence cover required?
Signs
Tenants improvements
Loss of rent payable per annum
Loss of rent payable indemnity period
—Please choose an option—12 months18 months24 months36 monthsNot required
General contents, trade fixtures and fittings
Computers & electronic business equipment (including EPOS systems)
Sound, lighting & entertainment equipment
Property in the open
General stock
This includes all dry stock, frozen foods, soft drinks and beer
Wines & spirits
Tobacco, vapes, E-cigarettes & ancillary equipment
Deterioration of stock
(Frozen or refrigerated stock)
Money (during business hours and in transit)
Money (in locked safe outside business hours)
Money in gaming machines
(total in all machines)
(total in any one machine)
Type of safe
—Please choose an option—No safe on premisesSafe installed in line with the manufacturer’s instructions
Goods in transit
Business interruption cover required
If loss of rent receivable is required, please include in the business interruption figure
Business interruption indemnity period
Loss of licence
—Please choose an option—£100,000£150,000£200,000£250,000Not required
LIABILITY
Public liability limit of indemnity
—Please choose an option—£1,000,000£2,000,000£5,000,000£10,000,000Over £10,000,000
Your annual turnover for the forthcoming 12 months
Is cover required for employers' liability?
Number of employees
Your annual staff wageroll for the forthcoming 12 months
(This does not need to include agency doorstaff)
Managerial & clerical wages
Manual including cooking (kitchen staff, chefs, etc)
Manual excluding cooking (bar staff, cleaners, serving staff, porters, etc)
Own doormen & security staff
Agency doormen & security staff
Are you or your company exempt from having an ERN?
—Please choose an option—YesNoAwaiting certification from HMRC
If ‘Yes’, please advise the reason for being ERN exempt:
—Please choose an option—All employees earn less than the PAYE thresholdBusiness does not have any employeesBusiness is registered in Guernsey, Jersey or the Isle of Man
What is your Employer Reference Number (ERN)/Employer PAYE reference?
VENUE RISK INFORMATION
Is frying undertaken at the premises, other than shallow frying?
Is there a full frying range (fish & chip shop style) located and used at the premises?
If ‘Yes’, is the range maintained and cleaned periodically at least once a year by an independent contractor?
Are the kitchen and/or canopy hood, range extraction systems and ducting annually maintained and cleaned by a professional contractor?
Is a pressure cooker used at the premises?
What is the venue’s seating capacity?
What is the venues scores on the doors hygiene rating?
Details can be found on www.scoresonthedoors.org.uk
Please note that the rating cannot be transferred from a previous owner
—Please choose an option—Exempt12345Pass & Eat Safe (Scotland)Pass (Scotland)Improvement Required (Scotland)Not yet assessed
Do kitchen areas have a working fire suppression system?
If ‘Yes’, please provide full details of make and model
If ‘Yes’, is the kitchen range within the premises protected by a kitchen fire suppression system that conforms to BS standards and is annually maintained?
The kitchen fire suppression system must be installed and maintained in accordance with BS EN 16282-7:2017+A1:2021 with a system including (but not limited to) Ansul, Spoon2 and Ceasefire.
How are the premises heated?
—Please choose an option—Fixed gasFixed electricFixed oilFixed space heatersHeat pumpBiomassFixed LPGOtherNo heating
If ‘Other’, please provide full details of the heating system
Do you use portable heaters?
If ‘Yes’, please provide full details of the type of portable heaters and where used
How many fire exits do the premises have?
Are fire exits maintained, clear, inside and out, at all times?
Is any part of the business situated in the basement of the premises?
If ‘Yes’, please provide full details of what trading functions take place in the basement
What is the venue's authorised capacity?
What are the opening hours for each day of the week?
Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
Sunday
Is there a membership system in place?
What is the target age of customers?
—Please choose an option—18+21+25+
Do you operate a dress code?
—Please choose an option—No formal dress codeSmart/casual dress codeSmart dress code
Is a charge made for entry?
If 'Yes', please provide full details
Does the proposer hold a current and valid licence(s) to sell alcohol at any of the premises and are not aware of any matters pending that are likely to affect those licences?
Does the venue offer live music such as DJ's, solo artists, bands, karaoke, etc?
If 'Yes', please provide details below
Does the venue have a dance floor or an area set aside for customers to dance?
Does the venue provide bouncy castles, foam nights, rodeo rides or other such entertainment that involves customer participation?
Does the venue offer event hire? (weddings, parties, etc)
Does the venue use door staff?
—Please choose an option—NoYes – SIA licensed 3rd party agencyYes – SIA licensed own employees
If 'Yes', please provide details including how often door staff are used and how many
Is there an ATM on the premises?
If ‘Yes’, is the management of the ATM your responsibility?
If ‘Yes’, what is the maximum the ATM holds at any one time?
This amount needs to be included within the money limits if cover is required
Is the ATM bolted down?
Is the ATM emptied every night?
Is there CCTV covering the ATM?
Does the proposer have a health & safety policy in place with all appropriate and necessary risk assessments carried out?
Note: The following regulations should be complied with: Management of Health and Safety at Work Regulations 1999 Workplace (Health, Safety and Welfare) Regulations 1999 Personal Protective Equipment at Work Regulations 1992 Manual Handling Operations 1992 Health and Safety (First Aid) Regulations 1981 The Health and Safety Information for Employees Regulations 1989 The Control of Noise at Work Regulations 2005
Does the proposer employ a Health and Safety firm to ensure compliance with HSE requirements?
What facilities are provided for smoking?
—Please choose an option—No onsite smoking facilitiesShisha areaDesignated smoking area
SECURITY RISK PROTECTIONS
Do the proposed premises comply with the minimum security requirements described below?
1) The Final Exit Door of the premises is fitted with either a mortice deadlock / hook lock, which has 5 or more levers with matching boxed striking plate and conforms to BS3621 standard, or a cylinder operated deadlock or a deadlocking multi-point locking system. Timber doors frames to be at least 45mm thick. All aluminium framed doors are to be fitted with a swing bolt type mortice deadlock.
2) All other external doors and all internal doors giving access to any part of the building not occupied by the insured for the purposes of the business, are fitted with either, the security detailed in 1), or two key operated security bolts of doors, fitted approximately 30cm from both the top and bottom of the door.
3) All Cellar Flaps are fitted with the security as detailed in 1), or 5 lever close-shackle padlocks, together with substantial locking bars.
4) All ground floor and basement opening windows and skylights and all other opening windows and skylights, accessible from roofs, balconies, decks, canopies, down pipes or canopies must be fitted with key operated window locks or permanently fixed shut. Any door or window officially designated to be a Fire Exit by the Fire Authority is excluded from these requirements. These are to be secured internally by panic bolts or fire exit bolts. Any additional devices are to be approved by the local Fire Prevention Officer.
Do the premises have solid steel shutters, bars or grills to accessible windows?
—Please choose an option—NoneFront onlyBack onlyFront & back
Do the premises have solid steel shutters to external doors?
Do the premises have an intruder alarm under the sole control of the insured?
—Please choose an option—NoYes - bells audible onlyYes - digital communicator to keyholderYes - digital communicator to monitoring stationYes - central station monitored dual pathYes - central station monitored single path
If ‘Yes’, is the alarm annually maintained under contract by an accredited firm?
—Please choose an option—NoYes – NACOSS NSIYes – SSAIBYes - other
Does the alarm have police response?
Do the premises have an integrated mains wired fire alarm, under the sole control of the insured?
—Please choose an option—NoYes - bells audible onlyYes - central station monitored
If ‘Yes’, is the fire alarm annually maintained under contract by an accredited firm?
Do the premises have CCTV?
—Please choose an option—NoneInternal onlyExternal onlyInternal & external
How many days are the CCTV recordings stored for?
Are CCTV recordings kept offsite?
Do the premises have 24-hour onsite security?
CLAIMS
Have you, the Proposer(s), Partner(s) or Directors(s) suffered a loss, claim or incident (which may give rise to a claim) at these premises, or any other premises, whether insured or not within the last 5 years?
If ‘Yes’, please provide further details including dates, type of claim, details of the incidents and amounts paid or reserves held and any preventative measures taken to prevent repeat incidents
ADDITIONAL INFORMATION
Do you want to bring any further information or material facts to the underwriters attention?
If ‘Yes’, please provide full details
DISCLOSURE
Disclosure: Please ensure that the information provided by the Proposer and the statement on these pages are correct and that you disclose material circumstances to make a fair presentation of the risk. Should the Proposer decide to proceed with the quotation, these details will form the basis of the insurance contract. Incorrect information could invalidate all or part of the Policy. Please confirm that the Proposer agrees to the following statements: When answering all questions, you are confirming on behalf of the Proposer that the statements are true and if this quote is converted to an insurance policy, it will form the basis of any contract of insurance affected thereon.
Neither the Proposer, nor any directors or partners in the business either personally or in connection with the business or in any other business capacity has ever:
- had an insurance contract cancelled by an insurer
- had an insurance contract declared void by an insurer
- had different terms applied to an insurance contract by an insurer due to misrepresentation by:
providing misleading or incorrect information
deliberately or recklessly withholding information
providing false documents
- had insurance cover restricted or cancelled due to non-compliance with risk improvement requirements
- been convicted of or charged with but not yet tried for a criminal offence other than motoring offences
NOTE: Spent convictions (as defined under the Rehabilitation of Offenders Act 1974 or any similar or subsequent legislation) do not need to be declared.
If you have answered ‘Yes’ to any of the above questions, please provide full details
HEALTH & SAFETY
Neither the Proposer, nor any directors or partners in the business either personally or in connection with the business or in any other business capacity has ever been:
- convicted of (or charged but not yet tried with) a breach of any UK health and safety legislation by any official body regulatory authority or enforcing authority
- served with a prohibition notice or improvement notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority
- served with a clean-up notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority
- All lifting plant and pressure vessels/boilers which are subject to Statutory Regulations are regularly inspected by qualified engineers as required by the legislation
- To the best of their knowledge the proposer complies with their legal obligations under UK health and safety legislation
FINANCIAL
Neither the Proposer, nor any directors or partners in the business or in the name of any other business which any of us had an interest have:
- been declared bankrupt or insolvent either as private individuals or in connection with any business
- been disqualified from holding a directorship
- been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt as private individuals or in connection with any business
- been a director or partner in a business that has been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt
- been officers of a company that has been declared insolvent, or had a receiver or liquidator appointed, or entered into arrangements with creditors in accordance with the Insolvency Act 1986
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