As seen in

Tea room: who writes it?

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FCA-regulated firm (FRN 1035997)
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108 markets matched

For: Tea room

Underwriter briefReady

What underwriters will focus on

Tea room: likely needs property, business interruption, employers’ liability and public/products liability cover. Underwriters will focus on cooking methods, any frying or extraction, and food hygiene/allergen controls.

Where to start

  1. RSAStrong first approach for a tea room package combining property, BI and liabilities, including products.
  2. Pen UnderwritingSpecialist MGA route with property, BI, EL and PL capabilities; worth approaching for a combined quotation.
  3. Specialist market lockedAppetite fit and referral checks locked
Hard to place?
RSAInsurerStrong fit★ Specialist appetite
Risk carried byi

Intact Insurance UK Limited Source

How to trade

Quote online (own portal), Quote online via software house, Submit to underwriter · Own portal: RSA Online Source

Appetite
Strong first approach for a tea room package combining property, BI and liabilities, including products.
Check
Confirm tea room eligibility, cooking restrictions and an adequate BI indemnity period.

ELPLPropertyBIFleetMarineProductsCAR

Broker site

Placed with them? Say how it went.
Pen UnderwritingMGAStrong fit★ Specialist appetite
Risk carried byi

QBE; Endurance Worldwide Insurance; Hadron UK Insurance; Tokio Marine Kiln (varies by product) Source

How to trade

Quote online (own portal), Quote online via software house, Submit to underwriter · Pen Central, Acturis, Open GI Source

Appetite
Specialist MGA route with property, BI, EL and PL capabilities; worth approaching for a combined quotation.
Check
Check café acceptance, products liability inclusion and any extraction cleaning conditions.

ELPLCARFleetMotor tradePropertyBI

Broker site

Placed with them? Say how it went.
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
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106 more markets + remaining specialist brief picks

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As seen inFCA-regulated firm (FRN 1035997)

Market Index

See all 389 markets

UK markets that write tea room risks

We found 108 UK markets that write tea room risks: 22 insurers, 86 MGAs and 0 Lloyd's markets. Commonly listed: RSA, Pen Underwriting.

Top 10 markets for tea room risks

  1. RSA (Insurer)
  2. Pen Underwriting (MGA)
  3. Touchstone Underwriting (MGA)
  4. Markel UK (Insurer)
  5. Advance Underwriting (MGA)
  6. Angel Risk Management (MGA)
  7. Aviva (Insurer)
  8. Allianz Commercial (Insurer)
  9. AXA UK (Insurer)
  10. Covéa Insurance (Insurer)

Placing notes

Often in older or listed buildings, so construction, thatch and heritage reinstatement costs come into play. Cooking methods, deep fat frying, outdoor seating and any accommodation or gift shop alongside are also asked about.

Also known as

tea shop, tearoom cafe, coffee shop, cream tea house

For insurers and MGAs

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