Pub insurance
Compare pub insurance quotes
Pub insurance is a group of essential insurance policies offered to the managers and owners of pubs.
Those who compare pub insurance quotes will notice that the insurance is made up of lots of different elements, including buildings insurance, public liability insurance and employers liability insurance.
Pub insurance is extremely important to those who run a pub because of the number of different eventualities that can cost them money, many which are out of their control totally.
One common part of pub insurance you will notice when you compare pub insurance quotes in cover for loss of your drinks licence as a result of actions by your staff. This can be vital as a pub without a drinks licence is very unlikely to make any money.
When you compare pub insurance quotes you will also notice that many of the quotes have buildings and contents insurance. The buildings aspect is pretty simple, and will look after the repairs or rebuilding of your pub if it is destroyed by fire or flood.
The contents part can be more difficult to work out, as you need to add up the value of your stock, equipment and all the fixture and fittings within the pub. With plasma televisions and fruit machines this can run into tens of thousands of pounds, and sometimes more, so be sure to select an insurance policy with a big enough limit for the contents you own.
Another element you will notice when you compare pub insurance quotes is the public liability aspect. This will cover you against claims from the public for any injury to them, or damage to their property as a result of your pubs actions. This can include slips and trips as a result of spillages not being wiped up or marked with a yellow wet floor sign, and can be very common in pubs where drinks can be spilt.
You will also notice employers liability insurance when you compare pub insurance quotes. This will look after your staff and is a legal requirement of employing any staff at all. Should they be injured whilst at work, which can happen with the hot kitchens and glass collectors having to run around a potentially wet and busy pup floor, then you will be covered against any claim they make financially by the insurance company.