Pub Insurance

If your pub employs even one staff member, you are legally required to have employee liability cover. Public liability insurance is not a legal requirement. However, your pub business insurance should ideally include a range of liability cover. Its highly advisable to have it due to the high risks of running a pub. Product liability, occupier liability and legal liability are some of the other types of risks that can be included in a pub insurance policy.

Not having the right insurance for your pub could lead to significant legal battles and financial losses. Without employers liability cover, you could face legal penalties or even lose your licence. Pub insurance is an essential safeguard that ensures your business can continue without disruptions.

Yes. Sometimes a pub is unoccupied for extended periods because of things like refurbishments or awaiting new tenants. If your pub is empty for longer than 30 days, youll likely need to take out unoccupied pub insurance. Unoccupied commercial properties are considered a higher risk, so premiums may be higher.

Pub and restaurant insurance have definite overlaps. The main distinction is that pub insurance is more focused on the specific risks of a licensed premises. Risks are related to serving alcohol, late opening hours, and entertainment. Restaurant insurance is more for food-focused businesses. However, combined premises can be covered on the same policy.

Yes. Some specialist insurers offer policies geared toward thatched-roof pubs. These policies typically cover buildings, contents, and liability risks, with special attention to fire risks. There may be stricter requirements around maintenance and fire safety measures. Insurance for thatched pubs will likely cost more than standard pub insurance.

Yes, insurance for a pub is highly customisable. You can select the level of cover that suits your pub and adjust your policy as your business needs change. Its wise to review your policy annually. Doing so will ensure youre only paying for the protection you really need. For example, if youve reduced your staff count, you can adjust your employers liability cover accordingly and likely pay less.

Gather key information about the incident. This includes your policy number, photos or videos of the damage, and witness statements. You may need a police report number, too. Contact your insurer as soon as possible. Youll typically fill out a claims form, and your insurer will take it from there. With accurate information, your claim may be processed quickly and fairly.