Pub, Bar and restaurant insurance can include a wide range of cover levels from public and employers liabilities. Depending on the size of your business and level of risk you are happy with as a business, public liability within the restaurant cover is usually between £1 million and £5 million. As well as public liability, employers liability if you have temporary workers, casual staff working for your pub or employees you will be responsible for covering yourself to help protect your business if an employee is injured or suffers from illness as a result of working for your business. If you have any form of worker in your business, it is now a legal requirement you have employers liability insurance in place.
Each insurer is different on how they rate your business, cover levels and require information to be disclosed at quotation stage. This can range from the opening and closing times of your business, whether you employ doormen as a form of security, live entertainment and how often throughout the year, whether you have a dance floor at the premises and a function room and many other questions. It may be a good idea to have this information to hand when contacting us for a quotation.
Whether you run a restaurant, pub, bar, sport or social club, you will need a tailored insurance policy that meets the exacting needs of your business. Additional cover options that you may wish to include could be buildings insurance, if you own the premises, then you can protect your property against problems such as fire and flood.
To protect the fixtures and fittings of your business premises, contents insurance can be useful to offer financial compensation should there be damage or destruction to your contents or give you the chance to replace items should they be lost or stolen.
To protect the stock your business keeps, stock insurance can be offered to cover the cost of any stock that is damaged, stolen or destroyed.
You can also include Goods In Transit to cover and protect the stock while in transit and money cover. Money cover is provided in some policies as standard however you can also ask to include additional cover levels to ensure the money is covered while at your premises throughout the day, money that is kept in the safe overnight and money while in transit to completely protect you and your business.
Restaurant, bar and pub insurance is a specialist industry. Our insurance executives are all highly-trained in commercial insurance and work hard to find the right level of cover that meets every individual business need so business owners can focus on the running and management of the business with the peace of mind that their insurance coverage protects them.
If you require insurance for your restaurant, bar or pub, then speak to the friendly team at Compare My Insurance.
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