Unlike most retail businesses, pubs, bars and nightclubs are, of course licensed. Trading and livelihoods depend upon that alcohol licence, which can be withdrawn even if the licensee is not at fault.
This is why club and pub insurance can include loss of licence cover. This will protect your gross profit should your licence be suspended, withdrawn or its renewal refused.
There’s also specialist insurance available to cover the specific risk of beverages leaking from beer pumps and other pumped containers.
Of course, like other businesses, pubs and clubs also need to protect themselves from more general risks.
Employers liability insurance is a legal requirement if a licensee or operator employs any staff. Public liability insurance offers invaluable protection should your business be responsible for injury to a customer or any third party, or damage to their property.
If you own your licensed premises, or are a tenant, then buildings and contents insurance may well be important to you. Here it’s important to ensure you are adequately insured so that everything from the bricks and mortar to bar stools are covered.
Serving expert advice
With our extensive experience, RBIG can offer you expert advice and support. This includes professionally assessing both the level and type of cover most appropriate to your specific business, whether it is a traditional pub, bar, nightclub, wine bar, sports or social club.
Our independent advisors will then seek out the best available deal for you from the policies and options offered by the insurers on our specialist panel.
Naturally our service doesn’t end there. Our highly knowledgeable and helpful staff will be on hand to assist should you need amend or claim on your policy.