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When looking at your pub insurance policy, you may be put off by the pages and pages of small print. Below is a short and succinct list of the most important points of any basic pub insurance policy. Of course there are some points which should be borne in mind before getting your insurance in order.

Here is the list of the standard terms for a pub insurance policy.

• None of those involved in the business (you, your directors and your partners) have had an insurance policy declined, terminated, had your premium increased nor suffered and other special conditions from any other insurer.

• None of those involved have ever been convicted of or charged (but not yet tried) with a breach of any health and safety legislation or any other criminal offence other than parking or speeding offences or offences which are spent under the Rehabilitation of Offenders Act 1974.

• No-one is awaiting an outstanding County Court Judgement (or the Scottish equivalent)

• No-one is subject to bankruptcy or insolvency orders, whether they are outstanding or discharged for less than 5 years

• The buildings are not Grade 1 Listed

• The roof of the building is built of incombustible materials

• The walls of the buildings are built solely of brick, stone, or concrete

• The buildings are heated only by low pressure hot water apparatus, or fixed gas or electrical appliances

• The building does not require any repair or refurbishment to make them secure or water tight and will be so maintained

• The buildings are in your sole occupation other than offices and private dwellings

• The level of security at your Premises meets your insurer’s minimum security requirements

• You trade from a single premises

• You have sole control over all doors and windows that accesses the premises used by your business

• There are no external Automated Teller Machines at the premises

If you are serving food in the pub, the insurance and indeed trade classification will be different to a standard pub’s insurance.

Pub insurance should always be purchased from an experienced provider such as Specialist Risks

truck insurance is also known as Heavy Goods Vehicle (HGV) or Large Goods Vehicle (LGV) insurance. This type of insurance covers vehicles that carry weights above four tons. If the company has a large number of trucks, then it is prudent for it to take a fleet insurance policy. This type of policy is cheaper than taking an insurance policy for each vehicle. It is worth noting that a fleet insurance policy premium is dependent on the weight of the truck; heavier trucks have higher premiums than lighter ones.

In addition to that, this insurance policy is dependent on the coverage of the insurance policy, goods protection, and public liability among others. A comprehensive insuarance policy covers a lot of aspects of goods protection. However, it is prudent to choose an insurance policy that addresses individual business needs. Many insurance providers offer insurance policies with many additional features which are optional. Some of the three main additional features offered by insurance companies in the UK include legal expenses, glass and breakdown cover.

The legal expense cover meets legal costs while the glass cover provides coverage for windscreen damages. Thirdly, the breakdown cover meets expenses for breakdown services such as towing. The type of additional features in an insurance policy is dependent on the insurance provider, however, many insurance buyers seek ways through which they can reduce the amount of premium paid. It is worth noting that you can reduce the amounts of premiums paid for a fleet insurance policy in a number of ways:

For starters, you should ensure that your vehicles are driven safely. If you drive safely for one year, you will start begin to earn claim free bonuses which are reflected as no claim discounts in future years.

Secondly, conducting extensive searches on various insurance providers and their rates is very important. Through this, one is bound to get insurance providers with attractive rates.

Lastly, focus not only on the cost of the insurance policy but also on the terms and conditions. For example, if you have a reliable fleet with good drivers, you can increase the excess with a resulting offset of a reduction in premium paid.

Quotes for a fleet insurance policy are available at Blueangeltech

Making a landlord insurance comparison is likely to involve similar choices to those you make when comparing other forms of insurance, namely:

• do the policies you are comparing offer the cover you need at a competitive rate;

• do they include every aspect of landlords protection you might need, yet also exclude elements you are unlikely to need (and therefore have no reason to pay for);

• your landlord insurance comparison might also take into account those elements of any given policy that are included as standard features;

• if there is cover you need to buy as an additional option, of course, this might increase the overall cost of your insurance;

• an example might be compensation offered by an insurer for loss of rental income following an insured event which leaves your property unable to be let for a while. Some policies – but by no means all – provide a degree of compensation (up to prescribed limits) for such loss of rental income;

• perhaps more important – and a potentially more serious and costly risk – relates to the building insurance on your property and the peril of subsidence. Some landlord insurance policies (just as some home buildings and contents insurance policies for private residences) specifically exclude this risk and you may need to buy it as an add-on. Some landlord policies, however, include it as a standard item of cover;

• if you own buy to let property – or, indeed, if you are an owner-occupier – there may be occasions when the premises are left empty and unoccupied. Your tenants may have vacated, for example, and you face a delay of more than 30 days (45 days in some cases) in agreeing a new tenancy. In that case you may also be looking for an unoccupied insurance quote to ensure that adequate cover remains on your property during the time that it is empty;

• as a landlord, you may face the risk of tenants causing malicious damage to your property or the contents which you own. Some buy to let insurance policies include protection against such risks as a standard feature, whilst others may offer it as an additional option (at additional cost);

• if price is a consideration in making your landlord insurance comparison, you might wish to choose a policy which offers a wide range of options with respect to any voluntary excess you may care to bear. Typically, the higher the excess you take on, then in some cases, the lower the premiums you have to pay.