Pub insurance provides cover for the risks involved in running a pub or a bar. Typical pub insurance policies will include cover for
Buildings
Contents
Stock (including beers, wines and spirits)
Coin operated gaming/fruit machines
Loss of licence
Business interruption
Cash on the premises
Cash machines/ATMs
Electronic business machines
Public liability insurance
Employers’ liability insurance
Standard perils covered by a pub insurance policy will include damage caused by fire, earthquake, lightning, flooding,riot and civil commotion, malicious damage, impact, leakage of oil from heating systems, theft by forcible or violent entry/exit and accidental damageas well. Also, if a brawl breaks out there could be huge damage to the pub’s property or even injuries to staff members and other patrons. In such circumstances, cover can be provided by a pub insurance policy.
If your pub has an entertainment licence and regularly hosts discos, live bands or other live entertainers we can arrange the necessary liability insurance cover for them to work on your premises.
Why is Pub Insurance important?
If you plan to open a new pub, take over an existing pub or already own one, it is necessary for you to get it insured on the correct basis before you can fully trade. Whether your pub business has one venue or a chain of many, it has to be insured with a pub insurance policy to safeguard against the many unpredictable losses that may affect its future. So you need to be well prepared to combat and handle such losses and a suitable pub insurance policy will help you do this.
Who should have Pub Insurance?
Pub insurance is essential for all owners and managers in the alcohol serving industry.
How can Castle Grove help?
Castle Grove Insurance can arrange suitable pub insurance for clients with several insurance companies at competitive premiums. Contact us today to see how we can help you and your business obtain the pub insurance you require or click the link below for an instant online pub insurance quotation.
