Pub Professionals
Dickson Insurance - associated with the licensed trade for over 15 years - is the official Insurance Broker to the Guild of Master Victuallers and Guy Simmonds, the leading training company to the licensed trade
Pub Professional has been designed to provide wide cover and flexibility, including the ability to insure household contents.
Pub Professional provides access to free advice on cover and sums insured at no extra cost, all via our in-house, licensed trade trained, insurance specialists.
We carry out visits to all clients, answer questions on the insurance cover, assist with paperwork and provide assistance with Risk Management issues such as premises security, cash handling and staff management.
Unlike many brokers, we have a well resourced and experienced claims team that works in close partnership with our insurers and loss adjusters in order to ensure the smoothest possible settlement of any insurance claim that may arise.
In 1997 Dickson's pub insurance scheme won a highly commended award in the Insurance Age Broker of the Year Awards.
The cover
Stock and Business Contents
'All Risks' cover subject to an excess of £250. Extensions for seasonal stock uplifts, lock replacement, glass breakage and goods in transit risks.
Business Information
Cover provides for loss of income resulting from damage to the premises, subject to a basic sum insured of £1m (amount may be increased) and an extended indemnity period of 24 months. Cover includes denial of access, failure of utilities and other special extensions.
Money
Cover for loss from the premises in or out of any safes and theft by employees.
Employers' Liability
Statutory cover for your liability to staff for any disease or injury sustained while working for you.
Public & Products Liability
The policy provides a high limit of £2m for claims arising from third parties for accidental death, injury or damage to third party property.
Loss of Licence
Losses due to non renewal of relevant licences and subject to a limit of £100,000 (amount may be increased).
Optional Extensions
Legal Fees, Personal Accident Insurance, Personal Belongings and Travel Cover may all be incorporated within the Pub Professional package.
