Pub & Inn Insurance
Standard cover
Please refer to the policy document for terms and conditions.
For examples of exclusions and limitations please click here.
Our licensed premises insurance policy cover the following as standard:
- Business contents - Our policy covers your trade contents and stock against a range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises. Cover also includes the leakage of beer & beverages from pumped containers and subsequent damage to contents.
- Business interruption - This helps you stay in business by covering loss of gross profit and reasonable expenditure incurred as a result of a loss covered under Section 1 of the policy. A gross profit sum insured of £500,000 with an indemnity period of 12 months is our standard cover.
- Loss of accounts receivable - Covers money up to a maximum limit of £25,000 that customers owe your business, but cannot be collected, due to a loss covered under Section 1 of the policy to your books of account or business records.
- Loss of liquor licence - If for any reason you lose your licence due to circumstances outside of your control then we will cover you up to £100,000 against the depreciation in the value of your property and subsequent loss of profit.
- Public and Products Liability - Provides cover of up to £2,000,000 for sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in the course of your business or caused by the nature or condition of anything sold or supplied by your business.
- Employer's liability - Provides cover of up to £10,000,000 for sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.