What Does Bar & Pub Insurance Cover?
Our key covers include:
Full Contents’ Cover
Insurance for the contents of your establishment, including furniture, electronic equipment, kitchen appliances and cash registers on an old-for-a-new basis.
An all-round cover for your inventory, including valuable spirits, beers, wine and food stock.
Your customers can sue you if the drinks or food you serve to them leads to sickness or injury.
Products’ liability insurance covers your legal defence costs, such as legal fees and compensation you may be required to pay to the injured party.
In the UK, employers’ liability insurance is obligatory for commercial enterprises that employ one or more individuals.
This insurance covers you against the claims brought against you by employees who suffer an injury or loss on your premise.
You are liable if a customer or member of the public suffers from an injury or an accident while on your premises.
Public liability insurance covers you by reimbursing you for your legal defence costs as well as the compensation you might be required to pay to the claimant.
A fidelity policy covers you against loss resulting from an act of forgery, fraud, theft or dishonesty from an employee. This loss can either be money or assets, including your goods.
Business interruption, also known as business income insurance, covers the financial loss caused by a pre-insured event that disrupts your business and keeps your pub or bar from opening.
Business interruption cover is essential for breweries and alcohol-serving establishments because it keeps them stable enough to deal with outstanding expenditure such as wages, bills, bank loans and mortgages during an unforeseen closure.
Loss of Licence Cover
An alcohol licence is required to serve alcohol on your premise. Losing the licence can disrupt your business activities.
Loss of licence financially covers you against the consequences of having your licence revoked or suspended.