OverviewInsurance covering your trading risk for your Pub or Restaurant business.
This can apply to any business where you serve customers who eat or drink on the premises.
Who needs Pub and Restaurant Insurance?
Any Pub or Restaurant owner or operator.
What does it cover?
Coverage includes your trade contents, stock (including beers, wines and spirits), business interruption and money as well as your Employers, Public and Products Liability. Accidental Damage and the full range of insured perils, including subsidence and flood cover is usually provided by a Pub and Restaurant policy.
Cover can be extended to provide additional protection, for instance adding cover for the buildings you trade from, if you are responsible for arranging the insurance.
It provides cover for your trade contents, stock (including beers, wines and spirits), business interruption, building, loss of licence and money as well as your Employers, Public and Products Liability.
What else might you need?
- Engineering Inspection
- Directors and Officers
- Employer's Liability, for which you will need to provide your ERN or PAYE number (read more here)
Other things to consider
If your stock changes seasonally, it’s important to make sure your insurer is aware, and to make sure you’re covered. You may be in for a nasty shock if you suffer a loss at, for example, Christmas time and find out you are underinsured.
All Pub and Restaurant cover is subject to the underwriting criteria, terms and conditions of the insurers. Please contact our team for further details and to discuss your requirements.