The Business Insurance Bureau

If your Business is toast, Don't get burned

It’s a tough gig…

Running a food or drink business is a tough gig, literally, if you provide entertainment too.

And recently, it’s got much tougher:

  • The Living Wage
  • Pensions
  • Brexit staff shortages
  • Exchange rate food price increases
  • Local authority rates increases

Bread & Butter

‘Bread & Butter’ issues have been overtaken by a spectacular increase in costs. Lots of businesses are struggling to cope. If ever there was a time to think about new ways to control costs, that time is now.

Why do food, drink and entertainment businesses pay big insurance premiums?

  • There are about 8000† commercial kitchen fires in the UK every year.
  • Slips& trips, spills, knife cuts, wet floors, naked flame, boiling liquids, burns.
  • Cleaning chemicals, lifting, mechanical equipment, glass breakage, food poisoning.
  • Time pressure, back pain, dermatitis, gas safety, ventilation, heat.
  • On top of a tidal wave of regulation and legislation.

Request a Call From an Experienced Broker

The Four Ugly Truths about insurance

And as if it wasn’t hard enough, here are four ugly truths about business insurance:

One – Insurance companies dispute 50%* of all large claims from businesses for…

Two – Two Reasons: breach of policy conditions and failure to disclose information – it takes…

Three – 3 Years to sort it, if you can, but you’ll doubtless go bust trying, joining the…

Four – 43%* of all businesses facing a disaster who never recover – not because they’ve had a disaster, but because their insurance is a disaster.

‘A recipe for disaster’ or ‘the champagne on ice’

On the morning after the fire, your insurance premium no longer matters. It’s about what’s next and what went before. Complacency is the great ingredient in a recipe for disaster and cheap ingredients seldom equal quality.

Quality insurance puts the champagne on ice, chilled and ready.

Bob the Broker has a business philosophy, a recipe honed to perfection over many years and it can almost certainly rise to the challenge of insuring you competitively and compliantly: the solution is called…

Making it cheaper, by doing it right™

There is only one legitimate way to make your insurance cheaper: cutting down claims by controlling the risk. That takes partnership, relationships, service commitment, expertise and ‘going the extra mile’. No one else will provide this:

A Risk Management Rebate Voucher worth up to £500.00+ towards the cost of:

Cleaning Kitchen Extract Systems • Fixed Electrical Testing • PAT Testing • Fire Risk Assessment • H&S Compliance • Security Compliance • ISO Accreditation • and other deserving risk improvement features

We do this every single year, per location that you renew on our unique facility.

We tailor the policy conditions around your kitchen routines, not your routines around the policy conditions.

We run a reminder service to help make sure you don’t miss compliance and policy dates. We provide a partnership claims relationship, so you can concentrate on your business.

Keeping your claims low and your premiums lower, making it cheaper, by doing it right™

Making it Cheaper, By Doing it Right™

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