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What does pub insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services.
Stock and contents insurance
Provides cover for stock, including food & drink supplies against theft or damage by fire or other insured events.
Loss of license insurance
Protects your business if your license to sell alcohol or operate is lost for reasons beyond your control.
Business interruption insurance
To provide compensation if a listed event stops your business from running normally.
Building Insurance
Protects your building from property damage, including fires, storms, floods, arsonists and vandalism.
Tenant’s improvements
For leased buildings, if you’ve invested in improving interiors. Your landlord is only responsible for the building.
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