Pub Insurance
Pub owners and managers certainly have a full plate when it comes to workload. Insurance may not be the first thing on your mind, but getting it sorted out is a vital step in putting your business on the right tracks, and need not take up too much of your time.
If you are an employer, which you are if you employ any staff at all to work in your pub, whether on the bar, in a kitchen or behind the scenes in any way, you must make sure you have employers’ liability insurance as a mandatory legal requirement. If you use any vehicles for the pub, for example if you transport stock around, you also need to have the necessary motor insurance.
Buildings and contents insurance for a pub really needs to be designed specifically for that type of environment. Make sure any policy you consider taking out is going to cover everything in your pub that you need to protect. This will typically include any food and drink stock you keep on the premises, your furniture, for example tables and chairs, your fixtures and fittings, for example bars, fridges, display cabinets etc. and any equipment you use, including cash registers, computers and kitchen tools.
Most pubs handle significant amounts of cash, which makes the possibility of theft and robbery impossible to ignore. You can also opt for money cover policies, which protect you in these kinds of situation. Public liability insurance is also a valid option for any business involving customer service.
