Pub & Restaurant Insurance

With access to bespoke packages built specifically for pubs and restaurants to provide cover for day-to-day risks, the cover provided can be individually tailored to provide everything your business requires to be fully protected as a pub or restaurant – including cover such as buildings, contents, stock, public & product liability, plus many other areas of additional protection such as play areas, music and entertainment facilities.

Making sure that you are fully covered in all risk areas is our highest priority for you. These specialist policies offer the ideal package which includes everything you require in one simple premium, so you can rest assured that once everything has been assessed for all areas where there could be a potential claim, that you are covered in any unfortunate circumstances.

The market-leading packages available cover many areas of risk such as damage in a fire or flood which could pay for repairs and rebuild, deterioration of stock, public liability insurance in case of any accidents, as the smallest ones can cause the biggest claims, plus many other areas of protection.

Our experienced insurance advisors will assess your needs and put together the best Pub Insurance package for you to ensure the most comprehensive protection that you require. We aim to source the best cover for you at the most competitive price from our panel of insurers.

The modern specialist Pub & Restaurant Insurance packages include a selection of covers that you would require to protect your pub or restaurant against the risks it faces on a daily basis.

The way in which we assess the most appropriate Pub & Restaurant Insurance package for you, is we take the time to fully understand your requirements, along with the uniqueness of the way your business works and how everything is set up.

We go into detail to determine the level of risk that is probable on a daily basis, so we can then build the right bespoke insurance package that would protect your pub or restaurant in any of those unfortunate circumstances.

When a quote is put together for Pub & Restaurant Insurance, we asses your business on an individual basis depending on a number of factors. If you have had claims in the past, we are still able to provide insurance for you, once we establish the whole picture of the risks involved within your business.

Setting in place risk preventative measures and procedures can dramatically reduce the chances of the claimed risk happening again. These efforts can also help increase the number of insurers that we are able to approach to provide you with the most comprehensive and lowest priced Pub & Restaurant Insurance package in your current state of business risk and previous claims.

If your business employs any staff, such as full-time, part-time, labour-only subcontractors, or even volunteers, then it is a legal requirement for your business to have employers’ liability insurance as part of your Pub & Restaurant insurance package. This certificate of insurance should also be prominently visible or at least accessible electronically to all employees within your business.

Yes, we are able to provide this cover as part of your Pub & Restaurant Insurance package. Insurers will be looking at the type of stock you hold, the value, your business location, any security measures you have in place to prevent any unfortunate circumstances. These are some of the factors that can fluctuate the premium to protect you against these kinds of claims.

Regarding general contents, this would equal today’s market value of the items. For stock, this would be calculated on the replacement value to you as the business. This would depend on where you are in the supply chain and various other factors that enable your pub or restaurant to purchase the insured goods at your current rate.

We are not professional valuers and do not offer that service. We would always recommend that you obtain a professional valuation on a regular basis to ensure that the sums insured are correct, up to date and in line with market conditions to avoid any risk of “under-insurance” in the event of a claim, which could affect the outcome of any payment.

If you are in any doubt regarding the value of your home or possessions, then always seek the advice of an experienced and qualified professional – and if any changes are subsequently required, then contact your insurance broker and/or provider to ensure that the levels of cover are accurate and appropriate.

The value of your buildings sum insured is calculated based on the cost of how much it would take to rebuild the property to you as the business, rather than today’s market value. This would include the labour and the materials, especially if you are able to source the required work at a reduced cost. Don’t forget to take into account other areas such as design costs, legal fees, professional advice, planning, site clearance and removal expenses.

We are not professional valuers and do not offer that service. We would always recommend that you obtain a professional valuation on a regular basis to ensure that the sums insured are correct, up to date and in line with market conditions to avoid any risk of “under-insurance” in the event of a claim, which could affect the outcome of any payment.

If you are in any doubt regarding the value of your home or possessions, then always seek the advice of an experienced and qualified professional – and if any changes are subsequently required, then contact your insurance broker and/or provider to ensure that the levels of cover are accurate and appropriate.

We are able to provide most types of Pub & Restaurant insurance packages in monthly instalments. Please don’t hesitate to get in touch with one of our insurance experts who will be able to advise on the best solution to ensure the full protection of your pub or restaurant. Please start an online quote at the top of the page or call us on 01926 495 113.