Pub & Restaurant Insurance

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What Does Pub and Restaurant Covered/Exclude?

No two pubs, restaurants, takeaway or catering businesses are the same. The small business insurance needs of a small-unlicensed village tearoom, for instance, will bear no relation to those of a large trendy theme pub in a busy city centre location.

What is included or excluded in your insurance package will depend very much on the type of food/drink outlet you run, who is employed in it, your attitude to risk and the scale of the business?

Here is a guide

• Employers liability insurance is a legal requirement, if your employees aren't close relations.
• Do you have six or more guests staying at your inn or restaurant? If so, you must have Public liability insurance and business insurance.
• Does your business run cars/vans? You need third-party motor insurance.

The type and location of your business, the turnover and payroll size will be major factors in deciding the level of cover you need, and the cost of the premium.

The following list outlines the main types of insurance products for businesses working in the food and drinks sector.

Decide which best suits your individual needs, then research quotes and prices online.

An independent insurance broker can help to find the cheapest and best insurance prices for you.

• Public liability insurance
• Employers liability insurance
• Products liability insurance
• Buildings/property insurance
• Contents/stock/fittings insurance
• Loss of licence
• Personal assault insurance
• Money insurance
• Accidental damage insurance
• Business interruption insurance
• Engineering insurance

Optional extras that can often be added to the core policy include

• Legal expenses
• Personal accident/sickness
• Computer breakdown
• Employee theft
• Book debts
• Glass / Sign replacement service
• Inflation protection
• Seasonal increases for stock
• Employee travel insurance

Insurance Exclusions

• Always read the small print for exclusions. Typical exclusions are as follows.

• Stock - You may think you are buying contents cover for your stock, for instance, but in many cases insurers insert a clause insisting it must be placed on racks at a certain height above floor level. If yours is not at or above that height, then you are not covered.
• Goods in transit - If your loaded vehicle is left unattended, unlocked, or not garaged overnight, you won't be covered.
• Money - If you don't meet minimum security requirements (alarm/lock requirements) or if money is left unattended and not in a locked safe.
• Theft - It may only provide cover if there's forcible entry/exit. Employee theft is often excluded.
• Glass & signage - Neon signs are often excluded, as are light fittings or damage caused by workers in empty premises.
• Terrorism is often excluded.
• E risks - Programming or operator error, virus or hacking are common exclusions.

Which options should you choose? Read more about each: Do I need it?

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