Insurance Policies for the Pub Sector

For every customer that is served a pint of Guinness, there is 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. 

 

[broker_name] 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 this could cause them to 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.

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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 whch is why it is so important to protect yourself in the event of a claim. 

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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.

Business interruption

Fire? Flood? Global Pandemic? There are a range of reasons why you may have to close your doors to the public. 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.

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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.

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Risk Assessments

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 a member of the [broker_name] on [broker_phone]

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