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Simply Business compares leading pub insurance providers, including...
Often, with high staff turnover and high volumes of customers' money can be at risk - thousands of pounds can be defended against theft
If you are located in an area susceptible to flooding it would be prudent to cover against the worst eventuality
Should your stock be stolen our damaged, it will need to be replaced. This could costs you thousands if you have not insured against this eventuality
This provides compensation to employees in the event of an injury relating to your shop activities
Answer some quick questions about your business.
Your answers determine the level of cover you require and the different options you can select.
Review your options and choose the right deal for your business requirements
In an environment such as a pub, you will have customers coming into your premises and staff working for you. So it is very important that you have the appropriate cover in place should anything happen which could end with unforeseen potentially business threatening costs. Pub insurance is usually a combination of different types of cover banded under one insurance policy. This generally includes:
Public Liability Insurance
As an owner of a public house, you will hopefully have lots of people frequenting your business premises. However, should anything happen to them whilst they are on your grounds, you will not want to be held personally responsible for any potential costs due to claims. Public liability insurance covers you against any claims that are made against your business by a member of the public.
Employer’s Liability Insurance
Even if your staff members are part-time or seasonal, you will need to have insurance to cover any mishaps that may happen. A member of staff maybe injured clearing broken glass or by dropping a heavy cask on their foot for example. In these circumstances, you could be held liable to cover medical and legal costs – employer’s liability insurance protects you against this.
Business Interruption Cover
Unfortunately from time to time, unforeseen circumstances can happen which could cause your business to stop. In the event of a flood or other damage, your insurance will cover any loss of earnings that occur during this time. This can be invaluable, especially if repairs take a long time to be completed.
Please use Simply Business's online comparison Service should you have any queries just call the number on the comparison journey to help You get the right deal for your business.