Pub & Restaurant Insurance

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Why do Pubs & Restaurants need Insurance?

At the very least, you need to protect your business against obvious risks.

The British weather can wreak havoc - storms, flash floods, etc.

If your premises are flooded out in high season, it could spell disaster. If you have a serious fire, your business could close for good.

Unfortunately, too, Britain is becoming more like the U.S. where compensation claims are a way of life.

More and more people are seeking compensation through the courts and pursuing multi-million pound lawsuits against businesses.

A comprehensive insurance policy together with robust Health & Safety and employment practices will protect your business from financial ruin, and provide support if you do find yourself in court.

Things that could go wrong:

• Staff misinform a customer about ingredients in a meal and the customer suffers anaphylaxic shock and dies
• Your pub loses its liquor license and you're forced to stop trading
• A kitchen assistant sues you after contracting dermatitis
• Your bistro is closed on public health grounds
• Your premises catch fire
• An employee sues you after being physically attacked by a drunken customer
• A dishonest employee embezzles thousands of pounds from the business
• Your windows and neon signs are smashed and you lose trade until they're fixed
• There's a power cut and your refrigerated stock is destroyed
• Computer equipment with all your records is damaged or stolen
• Public utility works (roads, gas, electricity) means your deli is less accessible to guests, resulting in a major downturn in trade
• Customers fall ill with food poisoning after eating in your cafe or from your mobile catering unit and sue you
• Your wine bar is broken into with the loss of thousands of pounds worth of valuable contents and fittings
• Vandals go on a wrecking spree and smash up your fruit machines and pool tables
• Your van containing thousands of pounds' worth of stock is hijacked
• A barman breaks a leg after slipping on a wet floor and sues you
• You have to shut down because of flooding

These are just some of the things that could go wrong. That's why you need a good comprehensive insurance package to cover risks to your business.

If disaster does strike, you won't be left on your own to pick up the pieces. Your insurance company can negotiate with third parties on your behalf, letting you concentrate on getting the business up and running again.

Top Tip

Insurers share information with the Claims and Underwriting Exchange Register to prevent fraudulent claims, so be honest about your claims history.

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