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:
Money on premises
Additional Policy Features
Home contents insurance – if you live on the premises (e.g. above your pub) this is a good idea
Loss of license cover – guarantees business revenue in the event licence is suspended for any reason
Loss of income protection – guarantees personal income in the event pub is not operational
Business contents – cover for business contents such as stock, glassware and furniture
Legal cover – covers legal costs associated with a claim against the business
Types of Pubs
There are 3 standard venue categories:
Standard: limited food served, alcohol focused, no entertainment provided, normal 11am – 1130pm opening hours observed. Typically Pubs, Gastro Pubs and Wine Bars.
Non Standard: food and alcohol of equal importance, any type of dancing, features entertainment such as bands, karaoke, singers or a DJ, and usually open later until 1am. Mostly Late Night Venues, Late Pubs and Bars and Function Venues
Bespoke: food, alcohol and entertainment led premises, late license typically past 1am, door staff, entry fees, entertainment includes discos/bands with a dancefloor on a regular basis. Mostly Nightclubs and Members Clubs
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. 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
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.