Pub insurance you can trust
When insuring a Pub you are providing cover for a home, a business, a restaurant and sometimes a leisure facility. With complex requirements it is necessary to understand what cover you have and what is not insured.
Buildings insurance – the cost to clear the site, obtain any necessary planning consents and cover the rebuilding cost (this is not often the same as the market value of the pub).
Contents insurance – the cost to replace all the fixtures, fittings, furnishings and other contents right down to cutlery and crockery. Also possibly your own contents.
Leisure facilities – any leisure facilities will need to be notified to insurers (swimming pools, children’s playground etc).
Employer’s Liability – unless you do all of the work, cooking, cleaning and maintenance yourself you will have staff and therefore require Employer’s Liability cover.
Public Liability – incase a visitor injures himself/herself on the premises you require Public Liability cover.
Product Liability – In case there is a complaint that the food in your restaurant has made someone ill, you require Product Liability cover (included with Public liability).
Professional Indemnity – if you ‘train’ staff (other than for your own premises) you may require Professional Indemnity cover.
Staff Personal Possessions – you may wish to protect staff personal possessions against theft and therefore may require an extension of cover for this.
Vehicle – if you run vehicles in the name of the pub you will require motor insurance.
Fidelity cover – you may also find that you put your staff in a situation where they could handle money or possessions belonging to someone else so you may also require Fidelity cover.
Cyber cover – you have computers in your pub and therefore may wish to add Cyber cover.
Legal Expenses – in case you have to consider being involved in court action.