Coronavirus help and support for our insurance customers
Buildings, business interruption, loss of money and stock insurance for your pub
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We can provide a commercial property insurance cover of up to £5,000,000 for sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in the course of your pub or caused by the nature or condition of anything sold or supplied by your business. Our employers' liability cover can provide up to £10,000,000 for sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to a pub employee for which you are legally liable.
Free with your pub insurance, the Towergate Risk Management web portal help you keep your pub compliant with health and safety, HR, business continuity and driving risks. It offers automatic updates about any changes made to regulations, and guides you to any gaps that need addressing in your existing health and safety arrangements. It also provides access to free online downloads about effective risk assessment.
Events and entertainment are activities that may just be noted on your policy, although sometimes they can require extra cover. However you hold events, it is vital that you discuss your plans with your insurer. Even if the insurance doesn’t cost you any extra, you must have it noted on the policy. There are very few business around today that can afford a liability compensation claim without public liability insurance. The trick is to give as much information as you can during your quote. This way you only need to call your insurer as the situation changes.
Contents insurance covers your fixtures and fittings, equipment and stock against a range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises. It also covers against the leakage of beer & beverages from pumped containers and subsequent damage to contents as well as a range of other perils specific to your trade. We can additionally provide building insurance for your public house if you own the building.
Towergate have many years' experience working together with pubs and licensed trade 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.
You will also deal direct with your insurer 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 see your claim is settled at the earliest opportunity by the insurer.
Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.
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We can cover properties and occasions including pubs, bars, night clubs, entertainment venues and one-off events.
By law you must have employers' liability insurance assuming you have any staff.
-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 if you live at the premises.
Yes, we can extend your pub insurance to cover business risks from cyber crime.
Yes, you can extend your licensed trade insurance policy to cover this by adding Towergate Assist, which covers the costs of an independent loss adjuster to help with the preparation, negotiation and settlement of your material damage and business interruption claims. This helps ensure that the entire process is handled quickly, fairly and without unnecessary stress.
When disaster strikes, a quick effective response can be vital to keep you in business. The service is available 24 hours/365 days a year and gives you telephone advice and assistance for all claims and a personal visit on all major losses likely to exceed your policy excess or £5,000 (whichever is greater).
This enables us to determine the premium of your policy and helps us check that your profit is insured adequately for business interruption.
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.
We will do our best! Subject to full details of the quote and the pub insurance provider you have received it from.
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.