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How does public house insurance work and protect me?

Date Added: November 18, 2011 10:28:25 AM
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How does public house insurance work and protect me?


Business owners who have a public house or restaurant will require insurance in place as a legal requirement. Most businesses require similar type of cover, such as:

•    Accidental damage including glass breakages
•    Alcohol licence protection
•    Boiler cover
•    Business interruption insurance
•    Car insurance
•    Employer’s liability
•    Fire
•    Gap insurance
•    Ground movement insurance
•    Legal expenses
•    Medical health cover
•    Property contents insurance
•    Property insurance
•    Public liability
•    Theft involving money and contents
•    Third party claims for such as injury
•    Van insurance
•    Weather risk insurance

Business insurance requires the aid of a specialist business insurance broker who will have many years of experience in insuring a public house and restaurants. The broker will be able to provide a list of what is covered by the policy and what is not. There may be certain options which they will recommend.

Once you receive your insurance policy have it checked and make sure that every likelihood id covered. If there are any mistakes in the policy documents, have it corrected immediately. Store the documents in a safe place. Finally, make sure you understand the claims process and its time limits.

Adjust the excess to see if the premiums result in any additional savings.

Read the public house insurance term and conditions carefully and store the documents in an easy to find place.
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