It's surprising how many businesses require a licence of some sort or other to operate effectively. In the hotel, guest house, night club or pub business - the so-called "licensed trades", however, the loss of a licence to sell alcohol can be not just a legal nicety, but absolutely critical to the continuation of the business, the loss of business, or even the collapse of the business itself. Loss of licence cover, therefore, is designed to provide protection in the event of such a critical business emergency.

Licensed trades typically include those running businesses as pubs, cafés, restaurants or small hotels. Just as those titles suggest, the business relies upon a steady and welcoming access for members of the public, customers and regulars. That is all well and good, of course, but increased numbers in such visitors, guests, or even simple passersby may significantly increase the risk of one or more of them suffering some form of injury (or even death) or loss or damage to their property for reasons involving your business. The claims arising from such accidents and mishaps can be expensive indeed, and that is why licensed trade public liability insurance is so important.

You'd think it to be a pretty straight forward matter, wouldn't you? If you employ people, you'll be more than likely to need employers' liability insurance. Unfortunately, it may sometimes be confusing as to whether your business needs it. And this is where we, part of the largest, independent insurance intermediary in Europe, can step in to help you understand your Employers' Liability cover.

We know that if you're running a bar then your margins are probably tight and that you need to control your costs. You may well recognise the risks in your business but you'll equally be determined to get the best deal you can for low cost bar insurance.

Licensed trade insurance is essentially business insurance that has been tailored for an operation that needs a licence to sell alcohol; whether that is a pub, restaurant or a wine bar.

When you consider the extent and amount of potential claims that could be brought under a public liability insurance policy, it is surprising that this cover is not compulsory. 

Licensed trade cover is primarily business insurance that is adapted to suit the kind of licensed trade you operate; whether that is a public house, restaurant, wine bar or hotel or other similar establishment. 

If you are a pub owner, then you will know that insurance for pubs is necessary to protect owners of public houses against the risks that occur in everyday trading.

If you own or run a pub, you may think that you are aware of the risks associated with your occupation. Yet your legal responsibilities and risks may be more numerous than you think and perhaps they may cause you to consider whether or not you need specialised pub insurance.

If you run a bar, you'll know how much hard work needs to go into making it succeed. However, all that hard work can be undone in a moment if an accident, slip or mistake is made in the course of your enterprise.