Jensten Underwriting has become a trusted partner in placing business for Restaurants, Fast Food Takeaways, Cafes, Pubs, Wine Bars, Caterers and other aspects of the Food and Drink industry, including our speciality, Fish & Chip shops. Instant quotes and Point of Sale documentation are available.
WHO IS THIS FOR
- Hotels
- Bed and Breakfast (B&Bs)
- Guesthouses
- Food and Hospitality
- Restaurants
- Fast food/takeaways
- Cafes
- Pubs and wine bars
- Fish and chip shops
DECLINED RISKS
- Grade I / Category A / Grade A listed buildings
- Thatched properties
- 100% outside catering risks
- Shisha bars
- Soft play / bouncy castles
- Nightclubs
- Premises with a food hygiene rating below 3 or Improvement Required
COVER
- Business Interruption
- Employers’ Liability
- Public / Products Liability
- Loss of License
- Book Debts
- Goods in Transit
- Glass / Signs / Blinds
- Money
- Frozen Food
- Work away
- Legal Costs & Expenses (including Employment Compensation Awards)
- Material Damage on a full perils basis
- Seasonal stock increase up to 25%
- Personal Possessions cover (Hotels, B&B’s and Guest Houses only)
- Personal Effects cover away from premises – not worldwide (Hotels, B&B s & Guest Houses only)
APPETITE
Food & Hospitality appetite
- Listed buildings: Grade II / II* properties accepted
- Non-listed properties built 1800 or after accepted, or listed properties where no Buildings Sum Insured is required
- Listed properties requiring Buildings cover must be built 1850 or after
- Up to £15m total sum insured
- New ventures
- Work away up to 25% of turnover
- Risks with entertainment
- Minimum Food Hygiene Rating of 3 (or pass in Scotland)
- Unsupervised playgrounds
Hotels, B&Bs, Guesthouses
- Up to 50 letting rooms
- Overnight occupancy (insured, staff, night porter or 24‑hour reception)
- Leisure facilities
- Listed buildings: Grade II / II* acceptable
- Non-listed properties built 1800 or after accepted, or listed properties where no Buildings Sum Insured is required
- Listed properties requiring Buildings cover must be built 1850 or after
- Up to £15m total sum insured
- New ventures
- Work away up to 25% of turnover
- Risks with entertainment
- Minimum Food Hygiene Rating of 3 (or pass in Scotland)
- Unsupervised playgrounds
WHY PLACE FOOD & HOSPITALITY BUSINESS WITH JENSTEN?
Speed – Instant quote-and-buy decisions, with referrals reviewed within 24 hours
Specialist appetite – Genuine speciality in Fish & Chip shops, a class many MGAs won’t quote competitively
Claims support – An experienced claims team who understand hospitality risks
Underwriting expertise – Knowledgeable underwriters providing specialist guidance and practical support throughout the quotation and placement process.
