What does pub insurance include?

There are a number of different covers typically included in a pub insurance policy. These are:

• Employers’ Liability Insurance. Aside from being a legal requirement if you employ staff on any basis (full-time, part-time or casual), employers liability cover will bring you peace of mind, limiting the disruption if, for example, a key member of your team has an accident at work.
• Publican’s Public Liability Insurance. In the case of a smashed glass, let’s say a customer slips as the result of a spillage and hurts themselves in a way that might not seem serious at the time, but leads to medical complications. You could find yourself being held responsible for huge costs, whether or not you agree with the claim.
• Business Interruption (loss of profits). Running a pub is a hugely competitive profession these days. If you had to close down, even for a short time, following a fire or other damage to the property, you could find your business in the red. Covering yourself for Business Interruption will help you sleep more easily.
• Contents insurance. Running a pub requires investment in costly equipment, as well as aesthetics. Pub contents insurance covers your furniture, fittings and stock against a whole range of hazards, from vandalism to storm damage.
• Food Liability Insurance. Will cover legal costs in defending, as well as any compensation awarded, in the event that a customer alleges food poisoning.
• Loss of Licence Insurance. Things can go wrong that are beyond your control, but which lead to the venue’s licence being revoked. Loss of licence insurance provides cover against trading costs in this situation.
• Door Staff Insurance. If you run a popular town or city centre venue, you’ll know that with all the will in the world, people and alcohol can sometimes equal trouble. Ensuring your door staff are adequately insured is a must.

Why compare pub insurance with BJP Insurance Brokers?

Managing a pub, you’ll know that accidents are a regular fact of life. That’s fine if it’s just a spilt wine. But what if a small mishap turns into something more serious? A smashed glass could cause an accident that leads to a court case that potentially puts you out of business.

You need an insurance provider who understands the dynamic nature of your business and provides you with a comprehensive plan that leaves you to concentrate on what you do best, with the peace of mind that comes with knowing you’ve got adequate cover in place. BJP Insurance Brokers is a leading independent broker with years of experience arranging insurance for businesses. With access to a variety of policy options from a range of leading UK insurers, we’ll be able to find the right policy for your business and arrange cover – hassle free!

Call BJP Insurance Brokers now. One of our advisors will be happy to take a few minutes to understand your exact needs and match them with pub insurance options from a range of the UK’s leading insurers.