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.

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.

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

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.

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.

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.

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

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.

• 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.

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.