Why choose InsureYourPub.com for your insurance?
InsureYourPub.com are licensed trade insurance specialists and are fully regulated and registered with the Financial Conduct 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 Pub 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 Pub, Bar and Club Insurance?
Running your own pub may be rewarding but requires long and unsociable hours. With so much to do such as, ordering the stock, taking care of deliveries, training staff and of course serving customers, there is usually no time to spare. In this type of busy environment, one can easily forget the necessity to renew your pub insurance. Forgetting or putting off your insurance renewal could lead to catastrophic consequences.
As experienced publicans are only too well aware, anything can happen in a pub. The owner of the premises including the staff will see the best and the worst of human behaviour, especially where alcohol is concerned. There is unfortunately always an element of risk; tempers can flare which may result in individuals being removed from the premises by management or staff. This can lead to all types of hazardous scenarios resulting in personal injury or damage to your property. Likewise, drinks accidentally spilt or food dropped on the floor can become areas of danger, if someone slips and hurts themselves. Be in no doubt if a customer suffers any form of injury or has an accident on your premises because of your negligence, they will lodge a claim against you.
It is very unwise to be uninsured or not insured enough. In today's society some people look at ways in seeking compensation through the courts when a misdemeanour happens. All of your hard work in building up your pub's business and reputation can be destroyed because of one incident. It is therefore vital to be fully insured, an insurance policy can be tailor-made to suit your business requirements.
Every licenced business is different and therefore may require different types of policies. The most important insurance policies to cover most eventualities are Public Liability, Employers Liability, Property Damage and Interruption of Business. These are extremely easy to organise with the help of professional insurance staff who know exactly what a publican requires. Prices can be compared with any existing insurance you may have and a suitable quote will be offered to you. Insuring your public house certainly won't cost the earth, however if you are in any doubt insurance advisers will be more than happy to help.
Public Liability Insurance covers the cost of a claim if unfortunately a customer on your premises is injured, including any damage to their personal property. Employers Liability Insurance pays for any claim made by staff you have hired if they are injured or become ill as a result of working for you, this is also a legal requirement by law. Property Damage Insurance covers the contents of your pub, fixtures and fittings and in the event of a fire or theft, these are covered too. Interrupted Business Insurance is also recommended with the loss of income covered, if for instance you have to close the pub for any reason.