If a member of the public is injured, falls ill, or has their property damaged in your pub or bar as a result of your business, this this insurance will help you cover related legal fees if they seek compensation
1Accurate as of November 2023
When you work with the public, you open your business up to all sorts of risks every day that you just can't avoid. But that doesn't mean that you can't be prepared for these risks. Business insurance for your pub can help you stay on top when things go wrong.
There are some great reasons to get pub insurance:
If you hire any employees, you are legally required to have employers' liability insurance
Public or product liability insurance will cover you if a customer trips and is inured or if something goes wrong with their food or drink which makes them ill
If your pub or bar is burgled, contents insurance will cover your stolen equipment and stock insurance will cover your stored food or drinks
Commercial buildings insurance will help you cover the cost of repairs if a fire breaks out and damages the building
Having a more valuable business usually means that you need more insurance cover, so a higher turnover will make your insurance more expensive
The location of a pub can have a huge impact on how much things cost and the sort of clients you're likely to have. Areas with a high risk of big claims pay more for insurance
The insurance types you pick will add to your policy. More extra cover means higher premiums, and some types of cover are more expensive than others
The number of employees and the size of the pub itself will affect your insurance cost. Bigger businesses cost more to insure
'Excess' is an amount that you agree to contribute to cover the cost of your claim. Choosing a higher excess is one way to reduce your premiums
You will have to pay more for insurance if you have claimed on your insurance in the past or if you have been involved in any legal disputes
Pub insurance won't cover you for digital theft of money, but if you keep cash on the premises your insurance will cover it.
Insurance coverage for cash doesn't usually come as standard with business insurance. Some providers offer it as an optional extra that you can add to your policy when you apply. However, there are terms and limits to this type of cover.
Cash that you keep on your business property needs to be locked in a secure safe overnight. Insurance also has limits to how much cash they will cover. Details like these are important to look out for when reviewing your policy documents.
Standard home insurance will not typically cover buildings that you use for business. If you are renting the building that you are using for your pub or bar, it's the responsibility of your landlord to buy commercial buildings insurance. This will cover the cost of repairs if the building is damaged by something like a fire or vandalism.
To protect the contents of your business – such as the furniture, televisions, bar equipment – there is business contents insurance.
Pub insurance isn't a legal requirement. The only insurance that you are legally required to have as a public house owner is employers' liability insurance. All UK business owners with employees need this insurance, even if their employees are volunteers. The only exception to this law would be if you didn't have any employees or employed only your immediate family members.
The insurance products that make up pub insurance can cover a range of establishments, including:
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