" QuoteSearcher’s partners provided me with excellent cover for my insurance. I ended up saving a £100 on my previous years premium so I will be definitely coming back to QuoteSearcher next year! " Peter Moore – Basingstoke, Surrey
" I just wanted to say how impressed I was with the ease in which I managed to purchase my very reasonably priced insurance online. " Jenny Doulton - Lincoln
In the UK, going to the pub is more than just an activity; it is an institution. Whether you run a slick city gastropub, or a cosy rural inn, it is important to have the right pub insurance policy in place. The presence of alcohol can make for some unpredictable situations, which the licensee can ultimately be held liable for. Pub insurance will protect you and your business from any compensation claims made by an employee or member of the public, as well as the building and the contents within it.
There are a variety of venues which can be covered by a pub insurance policy, including:
These venues will also fall into one of three categories:
Accidents are never planned: they just happen. When you are in an environment where there is alcohol involved, it increases the chances of an accident considerably. As the licensee, you are responsible for the safety and well being of your staff and customers.
If a drunken customer falls and injures themselves, they could launch a compensation claim against you. Even if their claim is unsuccessful, the cost of mounting a legal defense can easily run into the thousands. Or if a member of staff is hurt whilst on your premises, their compensation pay out could have some serious financial implications for you and your business.
There is even the chance a fight could break out in your venue causing some damage to glasses, furniture and fruit machines, which would leave you with a hefty clean up and repair bill.
We know that each venue will have different requirements from its pub insurance policy, there is no such thing as one size fits all. It is all too common for people to pay for features they do not need, or worse still when they go to make a claim and find themselves to be under-insured.
Below is a list of the most common features of a pub insurance policy to consider:
Other extra pub insurance policy features include:
Some insurers will reduce the price on your premium if you implement enhanced security measures, such as installing CCTV, alarms or locks from a recommended company.
Get in touch with us today so we can help find the right insurance policy for you!