Food & Drink

Your pub insurance cover can include:

• Public Liability insurance
  - This is an essential cover for pubs, covering you for injury to the public or damage to their property e.g. slips, trips and falls (not alcohol induced!) whilst on the pub premises or outside where you are responsible .
• Employers' Liability Insurance
  - will help you pay compensation if a pub employee is injured or becomes ill because of the work they do for you.This is a legal requirement for all business where you have employees, the minimum requirement by law is £5,000,00 (Employers Liability Act 1969).Majority of insurance policies offer £10,000,000 of cover as standard

  You may not need EL insurance if you only employ a family member or someone who is based abroad. You can be fined £2,500 every day you are not properly insured.

• Loss of Licence
  - essential protection against circumstances where you don't have a licence to sell alcohol. This could be a refusal to renew a licence that you have had for some time or a situation arising that results in the forfeiture of the licence.
• Contents insurance for Pubs
  - Contents insurance covers 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.
• Cover for your stock, including frozen food
  - under a pub policy this is split between Alcohol and non Alcohol stock at your premises which can be insured for all events such as Fire, Theft or escape of water incidents to name a few
• Business Interruption cover
  - covers the consequential loss of income a business may experience following an insured and unexpected event – such as a fire.Simply put the if you have a claim such as a Fire or Escape of Water its not just your property which needs to be repaired, you could have a loss of revenue during this time.Business Interruption protects your financial loss until your fully back up and running
• Money Cover
  - Along with money held on your premises, it can include cash at home as well as cash in transit in vehicles or carried in person. It can also cover the loss of crossed cheques, credit company sales vouchers and other non-negotiable forms of payment.

In addition to the standard package, we can offer additional cover for such items as

• Children’s outside play area
• Dance floor
• Door supervisors
• Live entertainment

They can all be part of the bespoke insurance package we’ll create for you

Additional Information which we think you will find useful

• Pub Insurance Guide