Why choose InsureYourPub.com for your insurance?
InsureYourPub.com are licensed trade insurance specialists and are fully regulated and registered with the Financial Services Authority in the UK. We are an online licensed trade insurance broker, meaning we offer independent advice and quotes for your pub, bar and club from the UK's top insurance companies such as Aegas, Aviva, AXA & Brit. Need to claim? You become an InsureYourPub client so we act on your behalf whenever you need to make a claim from the insurance company, thanks to our dedicated claims assistance team. We also go the extra mile when it comes to renewal, if we feel you can get a better deal next year, we'll tell you meaning you'll get the best possible deal on your business insurance year after year.
With the busy day-to-day running of your pub, club or bar, InsureYourPub saves you money and time by searching a network of insurers to find the best deal for you.
Our bar insurance policies cover
Public Liability and
Employers' Liability, Accidental Damage and Loss of drinks licence up to £100,000. We also include Loss of income following an incident up to £500,000.
Take out your licensed trade insurance with InsureYourPub and receive benefits such as our claims assistance team; Experienced, dedicated staff who understand the licensed trade market; instant confirmation documents and of course, cheap premiums.
In addition, we have several add-ons to include to your policy such as Legal Expenses, Personal Contents cover and Buildings cover
Why do I need Bar Insurance?
It is extremely wise to have the correct insurance if you are a bar owner. Running a bar requires plenty of planning and organisation and this includes insurance. Any bar owner selling alcohol to the public will be well aware of the risks involved. Undoubtedly for the owner the working day will be very hectic, however, this should not mean that any insurance policy is overlooked.
Every bar is different in size, however, most have their busy periods throughout the day. Many employ staff and have regular suppliers visiting the premises who provide alcohol, snacks and food. Customers can differ too, depending on the location of the bar, but whatever type of premises you own there are hazards to be aware of. Needless to say customers drinking too much alcohol can cause trouble. This may be among themselves or to staff members including yourself, which may result in personal injury. With many bars serving hot meals during busy periods, dropped food can create a slippery surface. Loose fixtures and fittings, wet floors and poor lighting can all lead to potentially dangerous scenarios. If a customer suffers from an accident which results in personal injury he or she can sue you. With so many compensation claims companies offering their clients no-win no-fee deals, it is not surprising that many people are more than eager to make a claim against a business that may be responsible for an accident or injury.
The commonsense advice from reputable insurance brokers that can be found online is to make sure your bar is completely insured. Not being insured is taking unnecessary risks to yourself, your business and your staff. A successful claim against you, if you haven't got the right cover, may lead to bankruptcy and obviously a loss of your good standing.
Helpful staff online can provide you with information about Public Liability, Employers Liability and Property Damage Insurance. Other insurances such as Building, Loss of Drinks Licence and Employee Theft Coverage are also available. It is a fact of life that no matter where you work, where there is money changing hands and stock for sale, some staff will take the opportunity to steal. This is one of the largest risks and losses a bar owner must face. Once a member of staff starts stealing, he or she gets into the habit thinking they won't be caught, it becomes almost like a drug. Don't let this happen, re-evaluate your insurance requirements.
All types of insurances can be discussed and realistic quotes will be given online. Insurance costs can be compared with other insurance companies to get you the best deal while the administrative side of things won't take too long to complete. Insurance policies and what they cover can seem a little confusing, however, by contacting advisers online today, things will become much clearer.
