Pub insurance

Pub insurance features

• Trade contents and stock

• Glass cover

• Buildings insurance

• Loss of trading profit

• Legal liability cover for your employers

• Legal liability cover for the public

• Business money

• Deterioration of stock

• Loss of Licence

• Goods in transit

• Legal expenses

• Domestic contents cover

We can also provide the following enhancements to your cover:

• Towergate assist - professional assistance with preparing and negotiating fire and theft claims in excess of £5000 (excluding subsidence and liability claims)

• Inncompliance - the unique licensed trade health and safety package offering a risk management, human resources and driving at work advice package. Why not take a look to see what is on offer at www.inncompliance.co.uk

Pub insurance exclusions

• We can only cover businesses which are registered in England, Scotland and Wales

• Many claims (excluding employers liability) are subject to a policy excess. We will discuss and confirm these to you prior to cover being placed on your behalf.

These are just some of the key exclusions/limitations, full details will be found in policy wordings.

Pub insurance FAQs

• What do I have to insure under a licensed trade policy?

• By law you must have employers' liability insurance

• What is it advisable to insure for?

• • Insurance for your assets including bar/kitchen equipment, fixtures and fittings, tenants improvements and of course the buildings if required

  • Insurance to protect the business profits from business interruption

  • Insurance against third party liability, i.e if you are legally liable to pay for an incident which results in an incident that result in loss or damage to a third party while on your premises.

  • Loss of licence

  • Personal accident

  • Your household contents

• Why do I have to declare my annual turnover?

• This enables us to determine the premium of your policy and helps us check that your profit is insured adequately for business interruption.

• We have trouble obtaining quotes for our business as we open late and/or provide entertainment at our premises. Can you help?

• Not all insurers will insure absolutely everything, however because we have more than one facility we will try to find an insurer who will understand and accept your risk.

• If I find a lower quote will you match or better it?

• We will do our best! Subject to full details of the quote and the insurance provider you have received it from.

Pub insurance claims promise

Our team at Towergate have many years' experience working together with pubs and venues. We not only understand your industry and the risks involved, but also the subtle differences from one business to the other and are experts in finding the best service for you.

Our first job is to get to know you and to learn your business; doing so will allow us to source you the best product from the extensive list of trusted and quality insurers to make sure you're in the best possible hands. We work hard with our insurers to get great products and great services for our customers should the worst happen.

You deal direct with the insurer too, should you need to make a claim. This cuts out any unnecessary steps and gets your claim handled as swiftly as possible. Even then we're still here to help you and will maintain a watching brief to ensure that the claim is settled at the earliest opportunity by the insurer.