The Business Insurance Bureau

Pub Insurance: Everything you need to know and more...

Once upon a time, going down pub meant a pint of ‘Old Todger’, a read at the paper and a packet of crisps. But that’s all hazy history, along with the smell of cigarette smoke that clung to your clothes after a night out.

These days, there’s no such thing as a ‘community boozer’ – running a pub like The Duck & Dive makes the publican a master of ceremonies, with everything from rhubarb gin tastings to ‘When does the tune start?’ Jazz, Saturday lunch time.  

It’s a coffee shop in the morning, has an all-day food offering, day time functions, after work promotions, football mid-week, venue at the weekend. It’s endless…

It’s hard enough to keep the punters entertained without the never-ending list of ever rising overheads.

  • The rising living wage
  • Staff pensions
  • Brexit staff shortages
  • Food & drink price increases
  • Business rates
  • Huge insurance premiums for entertainment 

It’s a challenge to stay afloat, pouring pints and collecting money has turned into a complex array of food, drink and entertainment compliance, licensing and insurance headaches.

Non-cleaned kitchen ducts are a HUGE fire risk, untested electrics heat, smoulder and burn, people slip and trip, doormen needed every weekend, gas safety, glass breakages…

There’s more to think about, lots of regulations to comply with.

Even raised Floor area’s can often lead to increased slip’s trip’s and fall’s on the dance floors around the country, so the best course of action is to take into account all the risks which present themselves throughout trading and plan to mitigate them as much as possible. A busy business is a successful one although the busier you are the higher chance of something unplanned happening


Important Pub Insurance Considerations

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 for trading within the United Kingdom in almost all cases.

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

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.

Kitchen Extraction Systems

  • With current legislation it is essential that you maintain good standard of cleaning with Hot Air Extraction systems in accordance with TR19 specification cleaning guidelines
  • Cleans must be at minimum Once per Year
  • Ask about about our Risk Management Voucher which can cover the cost of the cleaning required

The Optional Policies for Pub Insurance

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 Liability 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.