If you own a public house, nightclub or bar, an
adequate pub insurance policy is essential. As proprietor,
you face a range of risks from crime, nature and human error.
Unfortunately, every pub, bar and club owner faces a very real
threat of theft. After a busy weekend shift you will have a
significant amount of cash on the premises that cannot be safely
deposited in the bank until the next working day. If your earnings
are stolen and you do not have the right pub insurance cover, you
will be left out of pocket.
Nature can also wreak havoc when you least expect it. A flood or
fire could inflict serious damage to your building and contents.
Then there is the cost of replacing stock or repairing furniture
and fittings.
Loss of earnings is another risk to consider. If your
establishment suffers fire damage, for example, it could be a while
before you are ready to open your doors to the public again. Loss
of income during repairs could put serious financial strain on your
business.
If one of your employees is injured at work, or a patron is
injured on the premises, you could face a public or personal
liability claim. If the claim is successful, you will be liable to
pay compensation to the complainant. Depending on the seriousness
of the injury, it could run to thousands of pounds.
Which pub insurance policy is right for my
business?
Whether you run a Country Inn, city bar, nightclub or corner pub,
you need a pub insurance policy with adequate cover. The last thing
you want when you make a claim is to find out that your insurance
policy does not cover your exact operational requirements. Where
there is alcohol involved, anything can happen; you need to be
prepared for any eventuality. An ‘all risk’ insurance policy offers
protection from a number of risks including damage caused by
storms, floods, fire, explosions, earthquakes, riot and civil
disturbance, water and beverage leaks, vandalism and malicious
damage, accidental damage, theft by forcible and violent entry as
well as full theft.
YOUR Insurance specialists
Understanding the specific needs of your establishment is key when
shopping for pub insurance. YOUR Insurance can help you choose the
right cover for your business. We offer a range of pub insurance
options including public and employer’s liability, business
interruption, buildings cover, contents cover, money and assault
cover, loss of licence and theft by employees. For a competitive
pub insurance quote, visit http://www.yourinsurance.co.uk
today.