Pub insurance needs to reflect the type of pub you are running, whether a family business in the country, city centre pub, or a bar with an all night licence. Pubs vary considerably in what is the most important cover for them.
It needs to offer comprehensive cover, from liability cover in case a customer slips over at the door or a member of staff injures themselves to insurance covering the cash on the premises, or perhaps in transit to the bank.
Most pubs or bars would expect to have public liability insurance. You may also need Employers Liability Insurance if you have any staff.
Employers Liability Insurance covers claims from a member of your staff for injury or illness which has happened as a result of working at your business.
Policies come in all shapes and sizes, but the most popular offer good standard cover, with additional upgrades to cover more specific risks that may, or may not be appropriate for you.
They are easily upgradable if your needs change and you start offering new activities for your customers.
Optional upgrades can cover those offering nightclub activities or live entertainment, extended contents cover, public and product liability insurance, loss of income cover - even the loss of your drinks licence.
You could also add Business Interruption Insurance which will help if you are unable to run your business for a while - after a fire or flood for example. Buildings and Contents cover will help you replace or repair the pub but you will not be able to operate whilst the work is being carried out.
Of course you can be covered both for the bricks and mortar of your pub, and the contents, not just those which are to do with the business, but to cover your personal possessions if you live in as well.
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This content was last reviewed on 04/12/2023