Pub and Bar Insurance is crucial to protect your establishment from insurance claims because it covers specific risks faced by establishments in the hospitality industry, such as accidents, property damage, theft, and liability claims. Without insurance, these incidents lead to significant financial losses. Unlike other sectors, this insurance understands the unique risks associated with your business, which do not apply to a standard workplace, and tailors cover for these requirements.
Pub and Bar Insurance policies sourced by our insurance brokers in Bolton typically include coverage for business contents, inventory, employees, and customers. This protects furniture, electronic equipment, kitchen appliances, cash registers, inventory (including spirits, beers, wine, and food stock), and coverage for employees and customers in case of injury or accidents on your premises.
While there are no explicit legal requirements for Pub and Bar Insurance, employers' liability insurance is legally mandated in the UK if your establishment employs one or more individuals. This coverage protects against claims brought by employees who suffer an injury or loss while working for you.
Product liability insurance is an essential component of Pub and Bar Insurance. It covers your legal defence costs and compensation you may be required to pay if a customer becomes sick or injured due to the food or drinks served at your establishment.
Public liability insurance is another important aspect of Pub and Bar Insurance. It covers your legal defence costs and compensation you may be required to pay if a customer or member of the public suffers an injury or accident while on your premises.
Public liability insurance for pubs and bars covers accidents and incidents on your premises. It includes coverage for third-party injuries, property damage, legal expenses, product liability claims, and personal injury claims as the owner. Please review your policy for specific coverage details and consult with an insurance professional for further guidance.
Yes, IC Insurance Solutions offers optional covers that allow you to tailor your Pub and Bar Insurance to your specific needs. These options include building insurance, glass installations, sanitary ware cover, legal insurance, and coverage for money stolen from your establishment.
We will also recommend speciality Pub and Bar Insurance packages that target specific risks unique to the hospitality industry. For example, we provide coverage for freezer breakdowns, break-ins or vandalism, business interruption, and loss of a liquor license.
Business interruption insurance within Pub and Bar Insurance covers financial loss incurred during unexpected closures. This coverage ensures your business remains stable by providing funds to cover expenses like wages, bills, loans, and mortgages.
Our experienced insurance brokers will guide you to the best legal risk management practices for your pub or bar. They have industry expertise and can advise on minimising risks, preventing accidents, and implementing safety protocols to protect your business. By contacting us today, our team will work closely with you to source and customise the best insurance package to protect your business.