It’s not easy running a pub, you work long hours in a fast paced environment. The last thing you want to be worrying about is your pub insurance. Which is why you should consider talking to us at Bruce Burke. We’ve been insuring your industry for a long time and we know that there are big differences between running an inner city pub or bar compared to a rural pub. Contacting Bruce Burke means that you get to work with an insurance specialist who understands your industry and will take the time to understand your business to make sure that you get an insurance policy that meets your needs.
Why buy Pub Insurance?
Anyone running a pub today should look at pub Insurance. It provides valuable protection against anything that might interrupt your business including, fire, theft or accidental damage. It also helps protect you against potential litigation, and provides cover for your employees, clientele, and their property. And because it wraps all the cover you may need in one single policy, you often save significant sums when you buy Pub Insurance compared to trying to purchase all the components separately..
What do Pub Insurance policies include?
Generally, Pub Insurance will include Buildings and Contents cover together with Employer, Public and Product Liability cover, plus any other specialist cover you may need.
Employers’ Liability
Protects any of your employees while they are working for you, typically up to the value of £10 million. As an employer, you are legally obliged to have this insurance, even if you only have part-time bar staff.
Public and Products Liability
Public and Products Liability cover is normally included and covers you against the personal accident of any of your clientele while on your premises, as well as accidental damage to their property.
Buildings and contents cover
Pub insurance contents cover includes your fixtures and fittings, equipment, and stock against a range of perils; including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises. It also covers against the leakage of beer & beverages from pumped containers and subsequent damage to contents, as well as a range of other perils specific to your trade. We can additionally provide building insurance for your pub if you own the building.
Additional insurance cover
Depending on what you offer at your pub, there are a range of optional insurance covers that are worth considering.
Trade Contents cover
For all your wines, spirits and beverages. This could also protect food on your premises, and produce in kitchens, as well as stock like cigarettes.
Loss of license
A spirit’s licence is essential to your business—without it, you cannot legally serve alcohol. For reasons beyond your control, such as a policy or legislation change, you could potentially lose your licence with no back-up plan to keep your business running. Loss of licence cover can help mitigate this risk by offering a safety net should you lose your licence. Loss of License does not cover a loss due to negligence or unsanitary conditions.
Legal Expenses Insurance
This covers the cost of defending legal claims that could be made against you or your business. It can cover solicitors’ fees, the cost of barristers and expert witnesses, court costs and claimants’ awards in civil cases.
Further additional covers include:
- Glass replacement
- Household contents
- Loss of income
- Replacement locks
