Pub Insurance

Comprehensive Pub Insurance Cover

Public Liability Insurance

A core level of cover for your pub insurance policy will include public liability insurance. As you deal with members of the public, you will need to have adequate cover in place to protect your business against compensation claims and legal fees. In the event that a third party is injured in your pub, their property is damaged or they suffer sickness because of the fault of your business, they may seek legal damages which could cripple your business financially without the right protection.

We are able to provide public liability insurance up to £5 million to eliminate the risk of financial strain on your business if someone was to sue your company after negligence.

Employers Liability Insurance

Another required level of cover for your pub policy will be employers liability insurance. This is required by law if you employ any members of staff (fines of up to £2,500 per day apply if cover is not present). With the nature of your trade, employing bar staff, cleaners, waiters and chefs may increase the risk of accidents occurring in your pub. Policies needn't be expensive though and we can provide cover up to £10 million to safe guard your business against claims by your employees for injury or illness.

Buildings, Stock & Contents Insurance

You may need to add buildings insurance cover to your package if you own the property which your business trades from. This will protect your premises in the event of a disaster (such as a fire, flood, bad weather or vandalism) and as a result, your building needs repairing or even re-building.

Pub contents insurance may be imperative in case a future incident causes damage to fixtures and fittings or they are stolen by members of the public. In the event you need to make a claim, you will be insured for the cost of the repair or replacement.

We can build stock insurance cover into your single policy to cover the cost price in the event of theft or damage to your existing items. Allowing you to continue running your business without serious disruption to your workflow.

Additional Product Options

Depending on the requirements of your business, we can tailor additional products under a single pub insurance policy.

• Loss of license - If you lose your liquor license, through no fault of your own, it's important to have the correct amount of loss of license cover in place to pay for the lost income.
• Business interruption - If a disaster causes your pub to close down in order to recover from the damage, this product will allow you to claim back any loss of income while you were unable to trade.
• Money insurance - This product will protect you against loss of money which may be a result of theft. Costs for repairing or replacing safes and tills after criminal activity will also be included.
• Personal accident assault - If an insured person is assaulted while working in your pub, their medical fees and cost of replacement clothing will be covered using this product.

Our team of insurance brokers are here to help you get the correct levels of cover at affordable prices. Simply speak to us about your business insurance needs for free, local advice.