Whatever the size of your public house, having a suitable insurance policy in place will protect you from a wide array of potential financial losses you could face at any time. The responsibilities that come with running and maintaining a pub are vast, so it’s important to take the necessary precautions for any future problems that could come your way.
From a small local bar to a larger family-friendly gastro pub, there are many things to think about in your daily operations. Your premises, fixtures, assets and stock levels are crucial for trading, while your employees and your customers require a safe and homely environment.
Covering all of these necessary aspects is no easy feat and can cause you a massive headache in the long term if it isn’t done properly. A strong pub insurance policy will be as complex as your business, focusing on numerous areas to make sure no stone is left unturned. By covering every aspect of your operations, you can have peace of mind that you and your business are protected if anything goes wrong unexpectedly.
Every pub and every landlord is different, so a ‘one size fits all’ approach to pub insurance doesn’t really work. With so many elements to think about, though, it can be difficult, time-consuming and even a bit boring to seek out the right insurance on your own. Below are just a few of the important cover types we can help with:
With many customers on your premises at any one time, you need to be sure that everyone is safe from potential harm. This can be an extremely difficult task, especially in an establishment serving alcohol as this can increase the likelihood of people tripping or falling. This can be made worse if there are any loose floorboards or unstable furniture in your pub. Additionally, if you run a family-friendly gastro pub or chain franchise, you may also need to be aware of little ones from time to time.
It’s not just the wellbeing of the public you need to look after – there are also a few occupational hazards that can pose a threat to your staff. Dangers like a spill behind the bar or coming into contact with a broken glass mean that there’s always an element of risk involved working in a pub. Having liability cover in place will greatly help you in the event of an employee becoming injured or ill because of work.
Buildings and contents insurance
As the landlord, you’re responsible for any issues involving the property as well as items and furnishings inside. Structural damage or flooding after severe weather can greatly impact your premises, even causing business disruption if you need to close temporarily. Buildings and contents cover, along with business interruption insurance, can make sure you don’t end up out of pocket if you end up facing major repairs.
Stock insurance and money insurance
Running a pub, you’ll generally have a lot of valuable stock like beers and spirits behind the bar, as well as a fair amount of cash from your nightly takings. On top of this, many pubs house gambling machines and ATM cashpoints containing vast sums of cash. Since this can make your pub an attractive target for thieves, adequate product or stock insurance and money cover will allow you to claim back certain losses.
Arkwright Insurance Brokers are determined to help landlords and pub owners find a fully bespoke policy that matches unique needs. Working with a large panel of insurance providers, we make sure to get you an insurance policy to suit you and your business at a competitive and affordable cost.
Get in touch with Arkwright today on 01204 392 525 and speak to one of our highly experienced team. Alternatively, send us a few details online using the “Get a quote” button and we can call you back for a friendly chat to kick off the quote process.