Pubs, Clubs, & Nightclubs Insurance

Insurance for pubs – how does it work?

Pubs and their owners need their own specialised form of insurance, including a wider range of cover types, in order to be adequately protected from the unique risks they face.

But how does it work? And how can it support your business operation? Well, pub insurance can be broken down into a variety of cover types, which include:

Buildings & Contents insurance

Covers the physical structure of the pub and its contents against risks like fire, theft, or vandalism.

Public Liability insurance

Crucial for pubs in the event of accidents or incidents involving customers.

Employers’ Liability insurance

Legally required if you have employees, and to cover their injury or illness-related claims.

Loss of license insurance

Protects against financial losses that follow a pub losing its license.

Business Interruption insurance

Cover for loss of income if your pub is forced to close, perhaps because of fire or flood.

Stock insurance

Covers the cost of stolen or damaged stock.

Product Liability insurance

if you’re serving and taking responsibility for the quality of packaged food items, such as crisps and nuts, provided by manufacturers.

It's advisable to work with insurance professionals, such as brokers or agents experienced in pub insurance, to tailor coverage to your specific business requirements. Policies can vary, so carefully read the terms, conditions, and exclusions of each coverage.

Public liability insurance for pubs

Whilst it's not a legal requirement to have public liability cover as part of your pub insurance package, having this protection is highly recommended, especially when you consider the many risks that come with customers consuming alcohol on your premises.

Public liability insurance for pubs safeguards you against claims arising from injuries sustained by the public on your premises, particularly while consuming the food and drink you've served. Whether a mishap occurs at the bar, in the bathroom, or in the beer garden, most policies provide coverage for legal costs and damages up to a specified amount.

As well as that public liability insurance can extend its coverage to instances where customer possessions suffer damage.

What does nightclub insurance cover?

Nightclub insurance works in a similar way to pub insurance, particularly with regard to the types of cover that are included in the policy. These policies are designed specifically to enable you, as a nightclub owner, to manage your business without the burden of additional worries, providing assurance and financial protection in the event that accidents occur on the dance floor, or your property is unexpectedly damaged.

Here’s some of the types of insurance you can expect to see in your nightclub policy:

• Business Interruption insurance
• Public Liability insurance
• Employers’ Liability insurance
• Loss of license cover
• Commercial legal protection
• Product Liability insurance
• Buildings & Contents insurance

Ultimately, the daily running of nightclubs and late night bars come with such a wide range of risks for everyone involved, whether that’s staff or customers, or neighbouring businesses or locals. Anything can happen at any given time, so it’s vital that you have nightclub cover by your side to protect you in case of any eventuality.

Do clubs need insurance?

You can’t put a price on having peace of mind, and that’s what nightclub insurance provides! Protecting your business’ interests, assets, and reputation is incredibly important, and club insurance allows you to focus on running your day to day service without the constant worry of unforeseen accident and potential liabilities.

If you’d like to learn more about the value of club insurance, contact us, and we can walk you through some policy options.

Why do I need pub insurance?

When you consider the various risks that are associated with operating a pub, having comprehensive pub insurance is a fundamental aspect of responsible business management. It not only safeguards your business against unforeseen events but also contributes to its long-term sustainability and success.

Whether there's employment disputes, damage caused to entertainment venues, fees need to fund legal action, we believe in doing the hard work for you and helping you find the right cover for your pub, so you can rest easy knowing that you never need to worry about your business and your policy.

What is loss of license insurance?

Loss of license insurance could be the most important type of cover you’ll ever have if you own a pub, mainly because of how harmful it could be to your business if you were to lose your license and you were uncovered.

This type of pub insurance policy will help you recover any lost revenue that comes from an inability to sell alcohol, helping to ensure that your business doesn’t diminish or potentially lose value. Perhaps the reason you lost your license was out of your control? Loss of license insurance could help.

There’re several reasons why a pub might lose its license including:

• Disorderly conduct or illegal behaviour on the premises
• Serving underage people
• Over-serving
• Selling outside of authorised hours
• Drinking in unlicensed areas e.g., toilets, stairs

However, loss of license insurance will not always cover you if you lose your license for these reasons. In fact, almost all insurance providers will not allow you to make a claim if:

• You lose your license because you’ve sold alcohol to underage drinkers.
• Your ban is an act of parliament.
• The reason for license loss is planning permission related.

Is loss of license insurance worth it?

Loss of license insurance is an essential form of protection for pub owners. In circumstances where they no longer have their license to serve alcohol, loss of license cover can make sure the income they rely on is recuperated. Without it, pub owners could be left with no income or much less income, leaving their future as rather uncertain.

If you’re still not sure of how valuable loss of license insurance can be for your business, get in touch with us. We can talk you through a pub insurance policy and help you understand the important of loss of license cover for businesses.