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A guide to business insurance for pub owners

Running a pub, bar or restaurant is rewarding, however it does entail important responsibilities. There are risks associated with your employees, customers and your property, so it is important you arrange the appropriate business insurance. This guide will take you through the key facts of pub and restaurant insurance, with advice on how to find the best public house insurance deal.

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What is public house insurance?

Commercial pub insurance is designed to cover every eventuality, from customers falling ill to employees injuring themselves. Regardless of the size of your pub, its location or style, there are insurance policies available for your specific requirements. There are many forms of pub cover available, although the most commonly purchased are:

• Employers liability insurance - As a pub it is highly likely that you will have staff. If you employ one or more employees, legally you will need to hold employer’s liability insurance. This will cover your business if a member of staff is injured or falls ill while working for you.

• Public liability insurance for pubs -This would protect your business if a visitor to your pub is injured, has an accident or their property is damaged. For example, if a customer slips on a wet floor in a bathroom and is injured, you could be held liable. This insurance would cover their compensation, medical bills and any legal costs.

• Buildings insurance -If you own the building, you will need to arrange buildings insurance. This will cover the cost of rebuilding or repairing the pub if an accident occurs.

• Stock insurance -Within the pub you probably have valuable stock, so it makes sense to protect this. Stock insurance will cover everything you sell, such as spirits, wine, beer and food.

• Contents insurance - Regardless of whether you own or lease your pub, contents insurance is a vital form of insurance. It covers everything in the pub, such as fittings, kitchen equipment and furniture. If the pub suffers a theft or the contents are damaged, the insurance will cover the cost of repairing or replacing the items.

These are just a few examples, other options include cash protection, loss of licence cover and business interruption insurance. The best pub insurance will be the policy which is the ideal fit for the risks your business faces. This could mean that you only require one of the above policies, although most pubs will require a combination.

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How do I find cheap pub insurance?

As pub insurance brokers, we can help you find the cheapest pub insurance quotes from the best public house insurance companies. All we need are a few quick details, which you can enter into our quick online form. Our experienced team will then arrange competitive pub insurance online quotes from our panel of trusted insurers.

The prices charged by public house insurance companies do vary significantly, as the premium will be based on the risks your business faces.

However, we are committed to finding you the best deals, regardless of your requirements. If you need a quote for a pub which doesn’t fit the usual insurance requirements, let us know. Our team will do their best to find you a policy which meets the unique requirements of your pub.

You will be able to quickly compare quotes from insurers, including policy terms, cover levels and the premium price.

Once you find the ideal cover, we can help you purchase your business insurance in no time. Although, there is no-obligation to proceed with a purchase following our insurance comparison service.

To find out more about public house insurance or any other forms of insurance, please contact our experienced team today.

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