If you run a pub, wine bar or cocktail bar, you will know how difficult it can be managing all of the different aspects of this type of business. However, by comparing quotes from a range of top insurers for you, we ensure that buying pub insurance is one area that takes you minutes, as opposed to hours, to complete.
The below are just some of the cover types that you could include with your pub insurance policy:
Buildings and contents insurance
If you own or are responsible for insuring your premises, buildings insurance will cover you if your building was to become damaged as a result of fire, flood, theft or other such risks.
In addition to buildings insurance, you could also include contents insurance with your policy, which covers you if your pub stock or contents are stolen or damaged.
Public liability insurance
Public liability insurance is essential cover for any business that comes into regular contact with clients or members of the public. If a member of the public was to be injured while visiting your pub or wine bar, public liability insurance would cover you in the event of a claim being made against you.
Employers’ liability insurance
If you have employees working for you, you are legally required to have employers’ liability insurance. Every business in the UK that employs staff is required to have at least £5 million of employers’ liability cover in place. If a bar worker was to trip over while carrying empty glasses and break their leg, or sustain a similar type of injury in the workplace, employers’ liability would cover your business against possible legal action.