Dave Beard

Expertly compared by Dave Beard

Products Updated April 30, 2018

Business Insurance for Bars and Pubs

If you’re a pub or bar owner and looking for business insurance then our experts can help. Protection for your business can be arranged quickly across a wide range of insurance needs including professional indemnity, public and employers liability insurance. Get expert advice and help on the best solution for your business.

Our insurance experts can compare the market to find you the best deal on business insurance. Get a free quote and advice today:

2 providers expertly compared:

Hiscox

Provider
Hiscox Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.8/ 5

All credit types

Hiscox commercial business insurance provides a professional level of cover to protect every aspect of your business, from the premises to the people who work for you, and any legal matters that may arise from your day-to-day operations.

2 providers expertly compared:

AXA

Provider
AXA Business Insurance

Products
Business Insurance

Business Type
Sole Traders, Partnerships & Limited Companies

Speciality
Small business and commercial insurance

Rated 4.7/ 5

All credit types

AXA business insurance can cover you and your business for every eventuality. Apply online today and save an extra 10% on your quote instantly.

Read our customer and visitor reviews for this product:

Rating: 5 / 5 with 1 votes

Recieved quotes as promised.

by Clear Eye Wear Limited

Happy with the process and quotes. Simple to use and back up with a phone call. No pressure to buy, which was reassuring.

FAQ

Owning a bar or a pub means that you are constantly serving customers and ensuring that they receive the service they expect. As part of this service you need to ensure that you take of their safety.

The drinks that you serve, the food that you serve, the advice that you offer and the way in which your premises are maintained are all crucial to their safety but if something causes them to become injured as a result of negligence, wrong advice or even faulty equipment then you could find yourself facing a claim.

Business insurance is a useful tool in many ways. It will give you the confidence you need, knowing that any claims made against you are covered and it therefore protects you. There are laws and regulations in place that require you to act professionally and meet certain standards and having business insurance will help you to meet those requirements.

If a customer makes a claim against you then you will be hit with costs that can quickly mount up and that could put your business into trouble. Court attendance costs, defence costs and settlement costs are all associated to a claim but having the right business insurance will deal with all of this.

Choosing to have business insurance will maintain your finances as well as help you to handle any claims should they be made against your business.

There are two types of business insurance on offer and that is professional indemnity insurance and public liability insurance. Both are there to serve different purposes but they both ultimately provide you with the cover you need.

Professional indemnity insurance is there for you when claims are made against you that are linked to negligence and wrong advice. If you fail to work professionally or provide a customer with advice that causes them harm then you could find yourself defending a claim. Advising your customer on food or even a certain drink could cause them to become injured and this could make it possible for them to file a claim.

As your premises are likely to be in constant use by your customers you have to ensure that they are fit for purpose. Occasionally things can go wrong and that can mean that a customer can become injured or could damage their property while they are at your premises. Poor lighting could cause them to miss a step and take a fall, a damaged chair could collapse or they could slip on wet flooring. There is always the chance that a customer could become injured on your property so having the right protection in place is vital.

These features come with business insurance:

  • All costs are covered regardless of whether the claim is successful or not
  • An assessment takes place to ensure that the payment can be made
  • Your business will become reliant on this cover
  • Costs linked to defending claims as well as those costs associated with compensation
  • Your business needs are considered
  • Court appearance costs are included
  • Payment plans to fit your cash flow

What Are the Benefits?

There are many benefits associated with business insurance:

  • You will meet all legal requirements and regulations
  • Spend more time on your business needs and not dealing with claims
  • Protection for your finances as all costs are covered
  • Advice is available if you need it as well as representation
  • Your business will look professional and honest with cover in place

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