Quotation Request

Nightclub & Late Night Bar

Disclosure
Proposer Details
Premises
Cover Details
Risk Information
Risk Protections
Claims

Disclosure Statement:

When taking out insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair presentation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair presentation of the risk and will be deemed to know what should reasonably have been revealed by the search.

Your duty of fair presentation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair presentation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.

I have read this statement:

Neither the Proposer, nor any directors or partners in the business have ever:-
had an insurance contract cancelled by an insurer.
Please provide full details:
had an insurance contract declared void by an insurer.
Please provide full details:
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

    • Please provide full details:
    had insurance cover restricted or cancelled due to non-compliance with risk improvement requirements.
    Please provide full details:
    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.
    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.
    Please provide full details:
    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.
    Please provide full details:
    served with a clean-up notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    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 within the last ten years.
    Please provide full details:
    been disqualified from holding a directorship.
    Please provide full details:
    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 within the last six years.
    Please provide full details:
    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 within the last six years.
    Please provide full details:
    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 within the last ten years.
    Please provide full details:

    Proposer Details

    Inception Date
    Proposers name and trading name in full
    i.e. Mr & Mrs John Smith t/as The White Horse
    Contact Name
    Date of Birth
    Contact Number
    Mobile Number
    Email Address
    Company Number
    Reason for being ERN Exempt:
    Is there a Third Party Interest to be Noted?
    Third Party Interest
    Risk Address
    Please give full details of any previous Ownership / Managerial experience with the same trade:

    Premises

    The Premises / Buildings of the Business being proposed:
    have walls built of brick, stone or concrete?
    Please provide full details:
    have a roof of slate, tile, metal or concrete, excluding any flat roof area?
    Please provide full details:
    Please advise construction:
    Has any flat felted roof on the premises been professionally inspected and any defects repaired within the last 2 years?
    are in a good state of repair and kept in a like manner?
    have a listed status?
    What Grade?
    Please advise what year the premises was built:
    have how many storeys?
    are located in a shopping centre, arcade or mill complex?
    Please provide full details:
    i.e. what type of building, what floor, etc.
    are situated in what type of area?
    i.e. describe the nature of all neighbouring properties and their occupation etc.
    trade all year round?
    Please provide full details:
    i.e. when is the business closed, does the owner/employee live on whilst the premises are closed, etc.
    are entirely self contained?
    i.e. with a separate lockable entrance and exit
    Please provide full details:
    are occupied solely by the business?
    What is the nature of the other business/businesses?
    have residential accommodation at the premises other than that which acts as the private dwelling of the proposer or their employees?
    Is residential accommodation let to Students, Asylum Seekers, Refugees or persons who receive Housing Benefits directly or indirectly?
    Please provide full details:
    i.e. who resides, is the lease directly with the tenant, etc.
    are occupied by the proposer, or their employees, overnight?
    are free from storm exposure and/or are in an area which is free from flooding and at least 400 metres away from the nearest river, canal, lake or tidal waterway?
    Please provide full details:
    are free from, and in an area (within 400m of the premises) which is free from any signs of subsidence, heave and/or landslip?
    Please provide full details:
    i.e. when did the subsidence/landslip/heave occur, what has been done to the premises since, etc.
    had the Electrical Installation tested by a certified NICEIC, ELECSA or ECA Contractor within the last 5 years and all reported defects remedied?
    are protected by a sprinkler system?
    Please provide full details:
    i.e. Type, Edition, where they are located, etc.
    are what distance from the nearest Police Station?
    miles
    are what distance from the nearest Fire Station?
    miles
    Has an open fire, woodburning or multifuel stove?

    Cover Details

    Buildings
    Day One Reinstatement Value
    Including Subsidence and Landlords Fixtures and Fittings
    £
    Signs
    Premium Charged
    £
    Please provide full details:
    Playing Surfaces, Artificial Surfaces and Floodlights
    Maximum Sum Insured in respect of Floodlights is £15,000
    £
    Tenants Improvements
    Including external signs, canopies, awnings, etc. for which the Insured is held legally responsible for
    £
    Loss of Rent Payable
    If Loss of Rent Receivable is required, please include in the Business Interruption figure
    £
    Trade Fixtures & Fittings, Machinery, Plant and all Other Contents (Ex. Stock in Trade)
    Including Property Held in Trust
    £
    Electronic Equipment & Computers (including EPOS systems and computerised tills)
    £
    Sound, Lighting & Entertainment Equipment
    £
    Property in the Open
    Premium Charged
    £
    Please provide full details:
    Domestic Contents

    Single article limit of £2,500 (Excludes Jewellery and Antiques)

    The insured must reside on the premises

    Maximum £40,000 - If more are required, please see our separate 'Contents Plus' policy

    £
    Stock

    Including Materials in Trade, the Property of the Insured or held in trust or commission for which the Insured is held legally responsible

    This includes all dry stock, frozen foods, soft drinks and beer

    £
    Wines & Spirits
    £
    Tobacco
    £
    Deterioration of Stock
    £
    Goods In Transit
    £
    Money During Business Hours and In Transit
    £
    Money in Locked Safe outside Business Hours
    £
    Money in Gaming Machines (total in all machines)
    £
    Money in Gaming Machines (total in any one machine)
    £
    Business Interruption
    £
    Number of Employees
    Estimated Annual Turnover
    £
    Estimated Annual Wageroll
    This does not need to include Agency doorstaff
    £
    Managerial & Clerical Wages
    £
    Bar Staff, Glass Collectors & Cleaners etc. Wages
    £
    Own Doormen & Security Staff
    £
    Agency Doormen & Security Staff
    £
    Employers Liability is automatically included at £10,000,000
     

    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?
    i.e. Traditionally found in a Fish & Chip Shop
    Are the kitchen and/or canopy hood, range extraction systems and ducting annually maintained and cleaned by professional contractor?
    Is the Range maintained and cleaned at least once a year by an independent contractor?
    Is a Pressure Cooker used at the premises?
    Number of Covers:
    Seating capacity at any one time
    Seating capacity at any one time
    Do kitchen areas have a working fire suppression system?
    Please provide full details:
    How are the premises heated?
    How many fire exits are there?
    Are fire exits maintained clear, inside and out, at all times?
    What is the venue's authorised capacity?
    Please confirm the days the venue is open and until what time:
    DayClosing Time
    Add row
    Is there a membership system in place?
    Is a charge made for entry?
    Please provide full details:
    Does the Proposer hold a current and valid licence to sell alcohol on the premises and are not aware of any matters pending that are likely to affect that licence?
    Does the venue offer live music such as DJ's, Solo Artists, Bands, Karaoke, etc?
    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?
    Please provide full details:
    Does the venue offer event hire? (Weddings, parties etc)
    Does the venue use door staff?
    Are the door staff licensed?
    Please provide full details:
    i.e. how often are door staff are used, how many etc.
    Is there an ATM on the premises?
    Is the management of the ATM the Proposer's responsibility?
    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 it ATM bolted down?
    Is the ATM emptied every night?
    Is there CCTV covering the ATM?
    Does the proposer have a Health and 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?

    Risk Protections

    Does 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.
    Please provide full details:
    i.e type of locks, how they don't comply, etc.
    Are the premises thoroughly protected by an intruder alarm system, under the sole control of the insured?
    What type of alarm is installed?
    Does the alarm have Police Response?
    Are the premises thoroughly protected by a fire alarm system, under the sole control of the insured?
    What type of fire alarm is installed?
    Who is the fire alarm maintained by?
    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 acceptable systems including (but not limited to) Ansul, Spoon2 and Ceasefire.
    Are the premises protected by a Fire Alarm?
    What type of Fire Alarm?
    Is the CCTV recordable?
    How many days are the CCTV recordings stored for?
    Are CCTV recordings kept offsite?

    Claims

    Has 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?
    Please provide details:
    Date Type of ClaimDetails PaidReserveMeasures Taken
    Add row

    Additional Information

    Do you want to bring any further information to the underwriters attention?
    Please provide full details:
    Current Insurer
    Target Premium
    £
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