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Calling time.

In a tough market, underwriters have always been choosy about which pubs and clubs they take onto their books. Now increasingly restrictive warranty demands have caused further problems for the sector. Time please, says David Fanning.

The insurance market for pubs and clubs is tough, according to Peter
Beaumont, managing director of broker Harrison Beaumont. "Rates are going
through the roof - especially in the current climate of

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