What is the main benefit to individual proposers of a delegated authority scheme for public houses?

The main benefit of a delegated authority scheme for public houses is indeed the reduced legislative requirements. This type of scheme allows the insurance underwriters to delegate their authority to cover certain risks, which simplifies the underwriting process for individual proposers. As a result, public houses can have more streamlined access to coverage without having to navigate through extensive regulatory requirements themselves. This enables quicker decision-making and can enhance operational efficiency, as the administration burden related to compliance is lessened.

The other options, while they have their own merits, do not encapsulate the primary advantage of the delegated authority arrangement. Competitive rates may be a benefit, but the main focus of delegated authority is more about simplifying operational processes rather than just pricing. Similarly, ease of claim handling and standard policy wording are features that might be advantageous but do not directly relate to the legislative reduction aspect that is the cornerstone of why individual proposers benefit greatly from such schemes.