Insurance for pubs
Pubs carry their own unique risks, and require insurance that is tailored to meet their specific requirements. Pub insurance protects your livelihood against unforeseen events giving you peace of mind to focus on running your business.
Pubs carry risks for everyone involved, from staff to customers, and even neighbouring premises. There are many eventualities that could lead to a claim being made against you, so pub and bar insurance should be a priority.
Pubs come in many shapes and sizes, from wine bars to licensed cafés, restaurants or your local social club. Whatever your speciality, ensuring you have adequate protection for all your trading activities is fundamental to running your business.
Liability insurance for public houses
Public liability insurance can protect your customers against slips, trips or falls, and even food poisoning. You may be the most careful proprietor, but unfortunately accidents do happen. For example, spilled drinks could lead to injury and potentially large claims against you.
Similarly, if you employ bar staff within your business, it’s important to ensure their wellbeing at work and protect yourself against accidents or injury to your employees. Employers' liability, public liability and products liability insurance are typically built into a pub insurance policy to cover these unforeseen events ensuring you have the protection you need.
Pub insurance buildings and contents cover
If you rent or own the premises, then you may also need to protect your contents and buildings against fires, floods, storms and subsidence. All of your equipment will need to be covered, from kitchen equipment to bar stools, beer pumps to playgrounds. Landlords and landladies frequently occupy accommodation within the same premises, or even employ a resident manager. Either way, personal contents should be taken into account as well as the business belongings to ensure you have all the insurance cover you need to protect you.
You may even wish to consider adding loss of money insurance to your pub policy. This can protect your business if money is stolen or lost.
Business interruption insurance for pubs
Your public house insurance policy can include business interruption cover to protect your profit, fixed expenses and staff wages, should you suffer damage at your premises meaning you are unable to trade.
Loss of Licence insurance for pubs
In order to sell alcohol, public houses need to have an appropriate alcohol licence. A licence could be revoked or not renewed for a number of reasons outside of your control which is why it is important to protect your pub against such a loss.
Loss of licence insurance can offer protection following the suspension, withdrawal or forfeiture of your alcohol licence due to licensing regulations or refusal to renew by the licensing authority. It could cover you for both loss of profit and other expenses reasonably incurred to maintain your gross profit.
Get insurance quotes with Premierline
We have many years’ experience arranging public house insurance for pubs, inns and wine bars. As a result, we’ve really got to know the industry and the risks that you face. We're here to assess your business needs and compare quotes to find insurance that is a perfect fit for your pub. Speak to one of our advisors today who are happy to help.