Insurance Policies for the Pub Sector
For every customer that is served a pint of Guinness, there are a whole load of responsibilities to fulfil, and risks to avoid. Every landlord, pub owner and bar manager will tell you that pubs carry risks for employees and customers.
Our specialists can build a policy for you that takes care of all of these risks. Even if again you are forced to temporarily close, there’s a cover available to tide you over. Whatever you need, we will be able to put this under one policy for you.
Helping landlords protect their assets, stock, staff and customers allows them to stay focused on the important things such as keeping the beer cool and bulk buying potatoes ready for the Sunday roast rush.
What Are The Risks That Pubs Need Protection Against?
Member of The Public Gets Hurt or Their Possessions Are Damaged
If a member of the public gets hurt or injured when they’re on your premises, they could make a claim against you. A member of the public could be hurt by slipping off a bar stool, slipping in the bathroom or cutting yourself on broken glass. If this happens, public liability insurance will help.
"From a customer service perspective, they have made it impossible for us to look to go anywhere else. No problem is ever too big and no call is ever inconvenient. I have recommended Brunel to a number of my contacts." - Engineering client, Brunel Insurance Brokers
We are truly independent, meaning we can go to the whole market seeking the best deal for our clients.
We have been awarded Chartered status. This is testament to our expertise, industry knowledge and excellent client service.
Our in-house claims team will deal with any claims that may arise in an efficient, personal and professional manner, leaving you free to continue with the important work of running your business.
Staff Becoming Injured
The customer usually comes first, but it is very important not to forget about your employees. We mentioned above all of the ways a customer could get hurt in your premises, however, this could easily happen to a staff member too.
If you hire full-time, part-time or temporary staff, employers liability insurance is a legal requirement and will protect you and your staff should anything happen. Your staff will come into contact with intoxicated customers, heavy objects and strong chemicals during their shifts, which is why it’s so important to protect yourself in the event of a claim.
Loss of Licence To Sell Alcohol
If you lose your licence to sell alcohol this could be a disaster for your business, but what if this loss wasn’t your fault? If you lose your licence due to misconduct such as selling alcohol to underage drinkers, you will not be able to make the claim. However, if it was not your fault, loss of licence insurance will help you.
Fire? Flood? Global Pandemic? There are a range of reasons why you may have to close your doors to the public. Should this happen, business interruption insurance will come to your rescue. Business interruption insurance may cover your lost revenue for paying staff, getting everything stocked back to where it should be and to ultimately help you rebuild the business.
Loss, Theft or Damage of Contents
If you own a pub there is a very high chance that you own a lot of content within your premises and you will want to keep these safe from theft, loss and damage. Business contents insurance isn’t a legal requirement, but it is very important. Contents insurance will make sure you are no worse off than before the loss.
Deterioration of Stock
There are instances where stock can be ruined. This can happen if there is an electrical fault which would mean you would lose any existing stock and any stock that comes in before the fault is fixed. Deterioration of stock insurance will reimburse you to cover the cost of the damaged goods.
Risk Assessments have always been important, but with the pandemic restrictions coming to a close at the time this article has been written, risk assessments are more important now than ever. These assessments gather information to prevent health and safety risks. A risk assessment will then help to identify sensible measures to control these risks in the workplace. You should always share these results with your staff so that everyone is on the same page.
If you would like more information on how to prepare your pub for the new normal please get in touch with one of our specialists on 0117 325 2224.