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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
If someone working for you gets ill or injured doing work on your behalf. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services. For example, slipping on a wet floor.
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
Provides compensation if material damage stops your business from running normally, for example fire or flood.
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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