We have two strong teams in these sectors. Members of the New Malden team Andrew Moses and Daniel Innes have been advising some of the largest and most successful independent contract catering businesses in the UK since our formation. Our colleagues in our Holbeach office, John Jones and Rodney Flowers, who joined Clear in late 2009 have been arranging insurance for farms, agricultural and food distribution risks since the early 1980’s.
Whilst quite different risks, there are some common themes these businesses typically encounter, perhaps due to food safety being a critical issue. Exposure to liability related losses is high, calling for a responsible approach to health & safety matters to ensure that procedures and training are at the heart of operations. Effective Disaster Recovery Planning is also vital. Clear’s partners in these fields can assist with the full range of consultancy and engineering inspection services you might need.
Business interruption covers need thorough examination, exploring reliance on third parties, their premises and equipment. We can help you select the relevant extensions such as customers or suppliers premises, denial of access and infectious diseases which can make the difference between staying in or going out of business following a loss.
Do you operate in premises with composite panelling? Have insurers’ warranties been properly explained to you? Whoever said insurance is a minefield was right.
Gloss over these issues at your peril, or contact a member of our team.
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