What is Pub insurance?
The beauty of pub insurance is that the policy fits the needs of the selector. Due to the nature of a pubs environment we understand the risks and hazards that as a licensee, you face every day. From accidents, loss of license to employee dishonesty; our expert team can help you.
Buildings & Contents Covers
Whether you own the pub or just leasing chances are you’re going to want cover protecting your property from fire, flooding and accidental or malicious damage. The same goes for contents; loss of money, personal belongings and stock could result in your pub needing to close causing loss of earnings.
Fortunately, Money Cover and Glass Cover come as part of your Pub insurance quotation. In offering this extra protection as standard we protect you against money stored on the premises during business hours, overnight in a safe and money in transit to the bank.
To discuss the right type of Buildings, Contents and Business Interruption cover please speak to one of our expert SME team who will happily help you find the protection you’re looking for.
Public Liability insurance, although not legally required, is a must for any public house - the proof is in the name. Undoubtedly you deal with the public everyday serving them alcoholic beverages. Should a member of the public get injured in your pub as a direct result of its operations, Liability Insurance could protect against an expensive compensation claim.
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As an established business owner, you’re already aware that Employers Liability is a legal requirement if you employ staff. In a busy pub and bar environment, accidents can happen at any time, so in order to protect your business and employees we offer £10 million as standard to ensure you are covered in the event of a claim.
We also include personal assault cover alongside this increased Employers Liability indemnity limit, ensuring when ‘just one’ turns into ‘one too many’ your staff are still protected.
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At constructaquote.com our team will listen to you and your business requirements and provide you with an insurance quotation that may include optional extras including, Goods in transit insurance, Legal cover and even Business interruption protection.