The Business Insurance Bureau

Bar Insurance

Bar Insurance Advice

On every High Street across the country Bar’s are seen as a place to unwind or celebrate with friends and family throughout the entire country, Serving thriving communities and local town’s Bar’s have become an integral part of our social life and interactions, as such managing one has some unique issues such as the layout and design, operational times, geographic location and employee’s which can apply to the business.

Alcohol License

  • Loss of Licence Insurance Protection for Underage Drinkers.
  • Stock Insurance is good to have as carrying large stocks can be an attractive target for criminals who will often strike at the worst possible times.
  • Money cover helps with Lots of cash on site and in transit, leaving money in a safe overnight, Money Cover will keep you protected.

Late License

Late Licenses, Entertainment, Slip’s Trip’s and Fall’s are all essential when operating a bar, that is why Bar Insurance can be such a critical component of your business to get right.

Door Supervisors

Late night leisure sector can include assaults and ejections can bring a minefield of risk to a business, it is important you are kept up to date with legislation regarding door stewards/ door supervisors.

Success = Risk

Raised Floor area’ can often lead to increased slip’s trip’s and fall’s on the dance floors around the country, if there is anything that increases risk it is the best course of action to take into account the risks and plan to mitigate them as much as possible. A busy business is a successful one, the busier you are the higher change of something unplanned happening

Kitchen Extraction Systems

  • With current legislation it is essential that you maintain good standard of cleaning with Hot Air Extraction systems
  • Cleans must be at minimum Once per Year
  • Ask about about our Risk Management Voucher which can cover the cost of the cleaning required

 Terrorism Insurance

Terrorism Cover is optional but can protect against tragic events and loss of life, this is an optional cover on all policies, ask for more details when you call or request the information be sent to you.

Public Liability Insurance – Protecting People and Property

Public Liability Insurance Covers the business from injuries to members of the public or property, an essential requirement throughout the United Kingdom when dealing in any way with the public.

Employers Liability Insurance – Protecting the Employee’s & Business

When staff become unwell or injured in the course of operations working on your behalf Employers Liability Insurance protects the business by offering claim settlements to injured staff or staff whom become badly ill, this is a legal requirement.

Business Interruption – Protection from the unforeseen

What happens if your Door Supervisors eject someone with to much force? who is to blame?, me as an employer? or them?…

What Now?..

Business Interruption Insurance can be your saving grace, being able to provide for you the ability to recover and deal with the unforeseen to a degree, this can apply to anything that affects your business, If per example you ran a kitchen in an industrial estate your building might have a fire which renders the premises un-usable, Business Interruption Cover is highly suggested for your own benefit.

The Optional Policies – Loss of License Cover

For every location in the United Kingdom wishing to sell alcohol a premises license is required, as a business you must do your up-most to ensure that you operate to the standards laid out in the legislation, while not essential to all catering insurance policies a large amount of businesses do provide alcohol with services.

Reasons for possible loss of license

  • crime and disorder
  • public nuisance
  • public safety
  • sale of alcohol to minors

This however does not preclude the possibility that an unfortunate series of events can lead to the removal of the license from premises or personnel, having cover to protect your business from this can be a victory in the eleventh hour as sometimes the removal of a license can happen immediately.

Product Insurance

Food Manufacturing Protection

Food Poisoning is a risk anyone who deals with food will know all too well, creating products for consumption by the public can be lucrative as well ask fraught with risk.

Having good systems and processes is one thing, having coverage to protect you in a court of law is quite another, be sure to ask us about Product’s Insurance when enquiring about quotations.

Terrorism Insurance – Cover from the Unplanned

Terrorism Cover is optional but can protect against tragic events and loss of life, this is an optional cover on all policies, ask for more details when you call or request the information be sent to you.

If you would like to speak with a member of the team or Bob then please feel free to give us a call on 0141-332-7076 or email us at