Bar insurance – protecting the hard work you’ve put in

18 Jun 2009

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. Bar insurance is designed to safeguard against the financial loss, save your business and save all your hard work.

The threats can come from all sorts of unexpected quarters, the most common being:

• Public liability - this is the liability that you and your business have in paying compensation to any third parties who are injured (including accidental death) or have their property lost or damaged through any connection with your business. As a public house, your public liabilities should also be considered carefully. Large numbers of the public gathering together in a relatively small space can easily result in major accidents. In such cases you may not only be liable for injuries arising but could also face criminal prosecution. The legal costs of defending yourself could prove prohibitive for the financial reserves of most bar owners;

• Employers' liability - if you employ staff and they suffer an injury or contract an illness in the course of working for you, your business could be landed with a huge claim for compensation. Bar insurance covers any such potential claim, together with any legal costs that might also be involved;

• Damage to your property - fire, damage and flood could seriously damage your bar, meaning that your business may have to close while repairs are carried out. And without your bar running, you will not have an income. The right insurance can cover not only the costs of repair, but loss of income too.

In short, bar insurance is about protecting your enterprise from the sort of claims which could easily break many businesses. It is insurance that defends your business against financial ruin. And it helps to protect all the hard work you continue to put into it.

So how do you find the right cover?

Getting the right insurance is essential, and that is where a specialist business insurer, such as us, can help. We offer competitive, bar insurance cover, backed up with help and guidance from our team of professionals. We can even cover businesses that have difficulty getting insured elsewhere. Getting cover and the peace of mind that your business is fully protected has never been so easy. 

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