What establishments can I cover under your pub insurance?
We can cover properties and occasions including pubs, bars, night clubs, entertainment venues and one-off events.
What do I have to insure under a licensed trade policy?
By law you must have employers' liability insurance assuming you have any staff.
What is it advisable to insure my pub 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 if you live at the premises.
Can you offer cyber insurance for my pub?
Yes, we can extend your pub insurance to cover business risks from cyber crime.
Is commercial post loss recovery available through your pub insurance?
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).
Why do I have to declare my pub's 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 pub insurance quotes 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 pub insurance quote will you match or better it?
We will do our best! Subject to full details of the quote and the pub insurance provider you have received it from.
What does the Towergate Risk Management portal with my pub insurance offer?
- 24/7 access to your personal health and safety expert
- Alerts and updates about current and future legislation
- Help with building your health and safety policy with the online questionnaire
- Notification of industry specific health and safety news
- Tips on how to reduce risk, maintain staff welfare and stay profitable
- Advice on how to manage your driving risks
Where can I find more information about monthly Direct Debit?
If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.