Pub and Bar Insurance
Bespoke pub and bar insurance to cover your risks at a price you can afford.
“Shuaib followed up my enquiry very promptly and soon found a suitable policy for my small business.”
Pub and Bar Insurance
If you run a pub or a bar, then you, your staff, and your business will be exposed to a range of risks every day. A standard business insurance policy might not give you all the cover you need. And if you live on your pub premises, then your home insurance policy certainly will not cover your business.
This is why you need bespoke pub and bar insurance that covers you for all risks at a price you can afford.
At Anthony Jones, we specialist in helping pubs, bars, micropubs, microbreweries, and mobile bars get all the cover they need at a competitive price.
What is Pub and Bar Insurance?
Pub and bar insurance is specialist business insurance for pub landlords, bar owners, and anyone else who is licensed to sell alcoholic beverages to the public.
A standard business insurance policy may leave you with serious gaps in your cover. Or it may offer certain forms of cover that are not relevant for pubs and bars. Only dedicated pub and bar insurance will give you the specialist cover you need at the best price.
What’s Included in Pub and Bar Insurance?
Your pub and bar insurance can be tailored to meet your specific cover needs. But most pub and bar insurance policies will include the following forms of cover:
- Public liability insurance
- Buildings insurance
- Contents insurance
- Employer’s liability insurance
- Product liability insurance
- Loss of licence insurance
Insurance for Pubs with Rooms
You may need extra cover depending on the specific services you offer. If you let rooms, for example, your public liability cover will have to extend to overnight stays.
Pubs with Restaurants and Events
Preparing and serving food in your pub or bar will also bring a range of new risks, so too will hosting events on your premises.
Mobile and Pop-up Bars
If you run a mobile or a pop-up bar service, your policy can include cover for your delivery vehicle, and for your stock and equipment when it’s in transit.
Who Needs Pub and Bar Insurance?
If your business involves serving drinks to the public, you should consider pub and bar insurance.
As well as pubs and bars, these specialist policies might be suitable for:
- Mobile bars
- Pop-up bars
- Live music venues
- Social clubs
- Micropubs and microbreweries
- University and college bars and venues
Insurance Requirements for Pubs and Bars
You have a legal duty to get employer’s liability insurance to cover any staff you employ, even if they’re your relatives. Also, your building lease agreement may require you to get some form of buildings insurance cover.
Beyond this, there is no legal requirement to get pub and bar insurance. But if you think about the common risks for hospitality businesses like yours, it should soon become clear that dedicated insurance is something that no pub or bar should be without.
Common Risks for Hospitality Businesses
- Accidents and injuries
Customers, employees, delivery drivers, and other tradespeople could slip and trip while on your premises. Anyone who has an accident in your pub could make a claim against you. Without insurance, you could be liable to pay any legal fees and compensation payments that may arise. - Allergies or food poisoning
A customer could suffer an allergic reaction, or contract food poisoning, as a result of consuming food or drink you’ve served on your premises. Once again, they could make a claim against you. Without insurance, things could get very costly very quickly. - Fires, floods and break-ins
Pubs and bars are vulnerable to fires, floods, break-ins, and vandalism. Insurance can cover the costs of repairs, and business interruption insurance could cover your overheads until you’re able to open again. Without insurance, you’d have to pay these costs yourself. - Licencing issues
Due to circumstances beyond your control, you could lose your licence to serve alcohol. Loss of licence insurance could help you here. But without adequate cover, this would be a significant setback from which you may never recover.
Get Tailored Pub and Bar Insurance From Anthony Jones
At Anthony Jones, we specialist in helping pubs, bars, micropubs, microbreweries, and mobile bars get all the cover they need at a competitive price.
We’ll take the time to get to know you and your establishment, so that we can help you get a comprehensive insurance policy at the best possible price.
Need more
information?
Please call the team on 020 8290 9080 to talk through your insurance needs for your pub or bar business.
Alternatively, you can email us at business@anthonyjones.com
“I have been using Anthony Jones now for almost 25 years and have always been very happy with their service. They have always dealt with my renewals and claims very quickly and efficiently with minimal hassle. They also have a great continuity of staff meaning a good relationship can be formed for that extra peace of mind. Thoroughly recommend.”
FAQ’s
Some of our most asked questions, answered below:
I am a start-up business, what insurance do I need?
There is a balance between adequate and appropriate protection of the business whilst keeping initial costs to a minimum. Evaluate your business risks and the need for insurance under these 4 headings:
- Assets (both physical and intellectual);
- Revenue streams;
- Liabilities to Third Parties (including contractual obligations);
- People (your staff including their importance to the business).
Usually, a package type policy covering your physical property, annual revenues, Employer’s liability and Public/Product’s liability is required. The only insurances required by law are Employer’s Liability, Motor Liability (if you have cars/vans etc) and Engineering Inspection of lifting and pressure plant if you have them.
What is business insurance?
Business insurance is a type of insurance that provides cover for businesses against financial losses due to unexpected disruption to business such as property damage, liability claims, a cybercrime issue, an issue with a director's duties, a professional indemnity or a motor accident – amongst others!
Do I need business insurance?
If you own a business, it is highly recommended that you have business insurance to protect your assets. The only insurances required by law are Employer’s Liability, Motor Liability (if you have cars/vans etc) and Engineering Inspection of lifting and pressure plant if you have them. Increasingly, suppliers or customers will ask for evidence of insurance.
How much does business insurance cost?
The cost of business insurance varies depending on the type of cover you need, the size of your business, and the level of risk associated with your industry. Insurance brokers help with this presentation to insurers in seeking the most appropriate market and price.
How much Professional Indemnity insurance do I need?
If you work in one of the professions for whom Professional Indemnity insurance is a legal requirement, the amount of cover you need may be mandated by your regulatory body. You should check on their website to find out.
Your clients may also specify within their contract the amount of PI cover they require you to have in place to protect the work you do for them.
If the amount of cover you need is not pre-determined, you can work it out by thinking about the size of projects you work on and your potential exposure to risk. We can help you calculate what this might be. Our recommendation would be to buy as much cover as you can afford.
Do I need Professional Indemnity insurance?
If your business provides advice, professional services or creates designs, it makes sense to have Professional Indemnity insurance to protect you in case anything goes wrong.
For some professions it’s a legal requirement to have Professional Indemnity insurance in place. Professions for whom it is mandatory include:
- Solicitors and barristers
- Financial advisers
- Architects
- Accountants
- Some healthcare professionals, such as doctors, vets, dentists and surgeons
- Chartered surveyors
What is Professional Indemnity insurance?
PI insurance protects your business if a client claims the advice, service or designs you provided were faulty in some way. It will cover the cost of any claim for compensation.
What is Directors & Officers insurance?
Also called D&O insurance, this covers the cost of any compensation claims your business needs to pay if a director or key manager is alleged to have done something wrong during the course of their work. This might include negligence, breach of trust, making a mistake or failing to do a task.
Do the Government tax premiums?
Yes, they do. The current rate is 12% and is a charge collected by insurers on behalf of the Government. This tax has nothing to do with insurance brokers or insurers.
How do you earn your money?
Insurance brokers earn money in the form of commissions when business is placed with insurers. You have every right to ask a broker what commission they are earning from insurers. An alternative to commission is to quote premiums “net” and brokers agree a fee with customers for services.
Reviews
Straightforward, thankyou
Stephen Passfield is our account handler is one of the best agent we've worked with.
He is very helpful,kind and flexible to us and always there for us.
We've couldn't asked for more.
Thank you much for help for whole these years.
We really appreciate and very grateful to you.
We highly recommend him and his team
TM Brothers Transport
Their agents always very kind, flexible and helpful.
I highly recommend them.
"I chair a campaign to save our local pub. We launched a share sale and succeeded in buying the Crown a few days ago, so we needed help in selecting the right insurance for the site whilst renovations were under way, including unoccupied property cover. Tony Ellis of Anthony Jones Insurance was really helpful in guiding us through this process, and we now have the correct cover in place. Fast, easy to deal with & knowledgeable - just what you need from your insurance broker! Well done Tony and all at A Jones."
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