Looking after your business with insurance for pubs

22 Jul 2009

Specialist insurance intermediaries like ourselves are well versed in the challenges and rewards that are prevalent in the pub sector, and can help find cover for hard-to-place risks like nightclubs and large pub/bed and breakfast operations that are akin to hotels. 

Primarily, an ideal insurance for pubs policy may include the elements you would expect to find in any other business, including (but not limited to):

Employers' liability insurance - this is a legal requirement for most businesses and is necessary no matter how many people you employ.

Buildings insurance - this will include damage to third parties in addition to damage to the building itself. Check the list of things which could cause damage to the building. Fire, flood and storms are usually included as a matter of course.

Depending on the location of the pub, damage arising from civil disobedience could be important. For example, damage from a riot or demonstration is more likely in a city centre pub than a countryside inn. 

If you rent your pub, check the lease to verify where the balance of responsibility for insurance lies between you and your landlord. Similarly, if you are tied to a brewery, check that agreement to ascertain what your insurance responsibilities (if any) are.

Contents insurance -contents insurance for pubs needs to take into account your very valuable stock - the food and alcohol you keep on the premises. You should also insure any cash that is kept on the premises, in case it is stolen in a break-in.

Public liability insurance - As you will (hopefully) have a high footfall of customers through the door, decent public liability cover will be essential for pubs, though it is not compulsory. Successful claims for damage to property or personal injury can run to hundreds of thousands of pounds, which you are liable to pay regardless of your personal circumstances.

We appreciate the importance of public liability insurance and that is why it comes as standard with all our business insurance policies. 

What do I look for in an insurance provider?

The extent and level of cover is the first thing you look for. But when comparing quotes for insurance for pubs, consider the level of service the provider can offer too.

As part of the largest independent insurance intermediary in Europe, we can help when you need support and advice, as well as offer competitively priced insurance for pubs. Having access to a specialist who knows your industry, such as ourselves, can help take the stress out of buying suitable pub insurance cover.  

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