Pub Insurance

Some types of insurance may be a legal requirement. Others may not be compulsory, however not having the right insurance for your business could be a false economy. For example, if you don’t have the necessary protection in place and an incident occurs, you could be liable to pay costs or compensation. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that should the worst happen, a claim won’t be damaging to your business.

Accidents can happen in pubs whether it’s from a wet floor or broken glass. Public liability insurance protects you if a member of the public is injured or their property is damaged on your premises. It’s such an important type of cover that we include it as standard. By law you need employers liability insurance (unless your employees are immediate family or your spouse). This protects your business if an employee becomes injured or seriously ill as a result of working for you. Unfortunately pubs can be seen as an attractive target for thieves. Contents insurance covers items in your pub from stock and equipment to fixtures and fittings. You’ll be protected against events such as theft, malicious damage, explosion, and water damage. Perhaps one of the most crucial policies you will need is protection against loss of licence. Without an alcohol licence you wouldn’t be able to run your pub. This protection covers some of your losses and gives you breathing space to take the necessary steps to reclaim it if needed.

Pubs now provide more than just food and drink facilities. You may host parties, wedding receptions, or have guestrooms available for short stays. Whatever your requirements, talk to one of our insurance specialists and we will be able to arrange an appropriate policy for your business. In general, you should consider business interruption cover to protect you against unexpected loss of income. If you own your building, buildings insurance will provide cover for the rebuilding cost of your premises should an incident occur that is covered under your policy.

The cost of your insurance policy entirely depends on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers – each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you.

You need two types of licence to run a pub: a premises licence and a personal licence. But you need to meet certain criteria first. Read our full article: "How do I get a pub licence" to find out more.

If you are arranging insurance on the phone, you can be covered straight away, subject to a 10% deposit. The remaining payment can be set up within 7 days. Be sure to let us know you want cover to start immediately. However if you don’t want immediate cover, you can specify a start date that suits you.

No, in most instances no one will come out to your premises. The quotation is based on what you tell us about your premises and business. It is up to you to inform us of anything you think may affect your insurance quote, information provided should be accurate and honest. However, on rare occasions the insurer may choose to visit your premises.

Your quotation is valid for 30 days.

We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. The Bow-Legged Beagle in New Brighton, Wirral is one of our high street heroes. Visit their website here: www.thebowleggedbeagle.co.uk