Quotation Request

Icing on the Cake - Shop

Client Details
Cover Required
General Information
Notes
Calculations

Client Details

Please confirm the trading name of your business (if applicable):
Please enter your name:
Will this be a joint insurance or insured in a company name?
Please confirm the Joint Insured details or the name of the Company the isurance will be in:
Please confirm correspondence address:
Is your business address the same as your correspondence address?
Please confirm the business address:
Home phone number:
Mobile phone number:
Work phone number:
Email address:


Do you require this insurance solely in connection with your trade, business or professional activities in the manufacture and decoration of cakes and other baked products (including the associated supply of beverages)?
If No, please confirm full business description:

Cover Required

Standard Cover and Options

As part of the standard insurance cover each policy will include the following:

Tenants Improvements - Up to £5,000 cover
Business Interruption - Up to £200,000 cover
Employers Liability - Up to £10 million cover

Stock and Trade Contents (Contents) cover can also be added by choosing one of the following three options:
Cover Band
Selected Band Rate
Stock Cover Selected:
£
Trade Contents Cover Selected:
£
PL cover selection
Public and Product Liability Cover
£
Is terrorism cover required?

General Information

When would you like cover to start?
Has an insurer ever declined your proposal or refused to renew or cancelled your policy or imposed special terms or conditions for any of the risks which you now wish to insure?
If Yes, please provide further details:
Have you suffered any losses or had any claims made against you by any employee or any third party in respect of death, injury or damage to property during the last five years, whether insured or not, in respect of any of the risks which you now wish to insure?
Please provide details:
DateType of ClaimDetailsAmount Paid/Outstanding £Settled
Add row
Is your business and its employees domiciled in Great Britain, Northern Ireland, the Channel Islands or Isle of Man?
If No, please provide further details:
Have you, your partners or directors ever been convicted of or charged with (but not tried) or received a police caution in connection with any criminal offence (other than motoring offences)?
Note: Convictions regarded as spent under the Rehabilitation of Offenders Act 1974 do not need to be disclosed
If Yes, please provide full details:
Have you, your partners or directors been prosecuted or received notice of intended prosecution, issued with a simple caution or been served with a prohibition or improvement notice in connection with a breach of any health and safety legislation?
If Yes, please provide full details:
Have you, your partners or directors been declared insolvent or bankrupt or been the subject of bankruptcy proceedings or an Individual Voluntary Arrangement?
If Yes, please provide full details:
Have you, your partners or directors been the subject of a County Court Judgement (or Scottish equivalent) or are there any proceedings pending?
If Yes, please provide full details:
Have you, your partners or directors been a director or partner in any business which is or has been the subject of a winding up or administration order, receivership proceedings, or a Company Voluntary Arrangement?
If Yes, please provide full details:
Do you comply with all statutory regulations, including those related to health and safety, food and product safety and environmental issues?
If No, please provide further details:
Is all property, plant and machinery for which you are responsible at all premises in a good state of repair and regularly maintained?
If No, please provide further details:
Do you carry out any deep fat frying in connection with the business?
If yes, please provide details below:
Do you undertake any work away from your premises, other than the collection, delivery or sale of goods, provision of tuition and attendance or organisation of exhibitions, fetes or fairs?
If Yes, please provide full details:
When you register with HMRC as an employer operating PAYE you will be issued with an Employer Reference Number (ERN). It is often referred to as an employer PAYE reference and is usually in the format of 3 numbers/2 letters, 5 numbers, e.g. 123/AB12345.
UK businesses employing one or more people are required to have an ERN (Employer’s Reference Number, also commonly referred to to as the ‘Employer PAYE Reference’), which is a unique reference number for your employees’ income tax and national insurance contributions. You will find your ERN printed or written on mandatory documents including the P45, P60, P11/D and on most payslips. It looks something like this: NNN/Aznnnnn (maybe with up to 7 digits).
Please enter your ERN below or tick the "I am ERN exempt" box below if you are exempt from PAYE and do not have one.
/
Are the portions of the buildings you occupy self contained with a lockable entrance door under your sole control?
If No, please provide further details:
Are the premises occupied only by you, or by others for residential, office or retail purposes only?
If No, please provide further details:
Special Requirements for Contents
You are required as a condition precedent to our Liability:

  1. MINIMUM STANDARD OF PHYSICAL SECURITY
    for damage by theft or attempted theft from the buildings, or the portion of the buildings, occupied by you for your activities to ensure that the following minimum standard of physical security for the buildings is present throughout the period of insurance:

    1. external single leaf doors (including wicket gates), are fitted with

      • 5 lever mortise deadlock with the appropriate metal box striking plate, or

      • a lock approved to BS3621 with the appropriate metal box striking plate, or

      • a 5 or 6 pinned hardened steel close shackle padlock with a coach-bolted locking bar and staple if sited externally, or if the coach-bolted locking bar is sited internally then an open shackle padlock with a hardened steel shackle, or

      • a multi-point locking system with at least 2 locking points in addition to a horizontal deadbolt or hook bolt for UPVC doors, or

      • a cylinder mortise deadlock for aluminium doors

      • manufacturer's lock(s) as supplied for armoured plate doors

      • top and bottom key operated mortise rack bolts with internal operation only in addition to another lock which may or may not satisfy any of the above

    2. external double doors (specification as for single doors but to be rebated on each meeting edge) are fitted with a lock to the standard in a) above and with internal flush bolts or mortised rack bolts fitted top and bottom on the first closing leaf

    3. any internal final entrance/exit or other doors leading to parts of the buildings not in your sole occupation meet the standard in a) or b) above

    4. all outwardly opening external doors are fitted with hinge bolts top and bottom on each leaf

    5. sliding/patio doors are fitted with a multi-point locking system with at least 2 locking points or key operated locks fitted top and bottom in addition to a hook bolt(s)

    6. roller shutters are fitted with integral locking bar and 5 lever close shackle padlocks or by two integral locks to each shutter

    7. folding or concertina doors are fitted with a 5 lever or 6 pinned hardened steel close shackle padlock with a coach-bolted locking bar ans staple

    8. opening windows (each dimension measuring more than 23 centimetres) that are easily accessible from the outside (less than two metres from the ground or above a roof, or adjacent to a fire escape, stairway or walkway) are fitted with key operated security devices or are permanently screwed shut


Are doors and windows at the premises protected to at least the standard described in the Minimum Security Requirements above?
If No, please provide further details:
Are the buildings at the premises constructed as follows:
Walls (including structural framework) are wholly of brick, stone, concrete block, concrete, metal or other non combustible materials

Roofs (excluding structural framework) are constructed wholly of slate, tile, concrete, metal or other non combustible materials across at least 80% of the roof area

Floors (including structural framework) are constructed of concrete or timber

and in a good state of repair and regularly maintained?
If No, please provide further details:
Are the buildings at the premises listed or subject to a preservation order?
If Yes, please provide full details:
Are the buildings at the premises artificially heated other than by a conventional central system or by fixed appliances, fuelled by electricity from the public supply?
If yes, please provide details below:
Is the electrical installation at the premises less than 10 years old, or has it been inspected in the last 5 years by a professional contractor who is NICEIC or ECA approved?
If No, please provide further details:
Has the premises ever been flooded or is it in an area liable to flooding. Have you been informed, or are you aware that the premises are in a potential flood risk area?
If yes, please provide details below:
Is there ever operation of baking or other process machinery or plant when the premises are not attended by you or employees authorised by you to be responsible for its supervision and control?
If Yes, please provide full details:
Is all combustible trade waste swept up and bagged daily and removed from the premises at least once a week. Is external storage of such waste within metal lidded containers at a distance of at least 5 metres from any building?
If No, please provide further details:
Do you envisage any redundancies from your business within the next 12 months?
If Yes, please provide full details:
Have you taken over, merged with, acquired or disposed of any companies or significant business activities within the last 5 years or are you considering doing so within the next 12 months?
If Yes, please provide full details:
Have you and/or your employees been involved in any legal dispute, action, prosecution, customs and excise dispute, HM Revenue and Customs investigation/enquiry or DSS review during the last 5 years (excluding driving offences)?
If yes, please provide details below:

Additional Notes

Additional Notes

Calculations

Postal Area
Number of Theft Claims:
Number of Theft Claims in Last Year:
Number of Fire Claims:
Number of Flood Claims:
Number of Subsidence Claims:
Number of Liability Claims:
Number of MD Claims:
Number of MD Claims in Last Year:
Number of Theft Claims in Last Year:
Count of Claims over £2500 in last 12 months:
Total Claims in Last 5 Years
Hidden Claim Year