At
Drayton we understand that every Pub is unique and can offer
so much more than just a place to get a drink - many are cherished community
centres, whilst others provide dining accommodation and so much more.
Our team of specialists will visit you to discuss every aspect of your business and make sure your pub insurance is covered for every eventuality. From fire to flood, theft or damage, we can tailor a product to suit your every business need.
With
this in mind, each pub insurance policy must be as unique as the business it is
covering. Our team of friendly advisers understands this and are experts when it comes to providing quality cover for your Pub. Our team of friendly advisers understands this and are experts when it
comes to providing quality insurance coverage for your Pub.
Choosing
our local insurance services means that we are able to dedicate more of our
attention to you and your Pub, with a real commitment to quality. We have a proven record of success in providing superior and wide-ranging options, with a wide variety of cover options, so we can tailor your policy to your business's requirements. We have a
proven record of success in providing superior and wide-ranging insurance, with
a wide variety of cover options, so we can tailor your policy to your business.
If you're interested in learning more about our pub insurance policies, read here about navigating the world of pub insurance, or contact us today.
To discuss if you have the best policy for your business, get in touch with our trusted team at Drayton. Call us on 01603 954841 , send us an email or come to visit one of our branches.
The specific cover you need to run a pub will depend on the size and type of your business and the services you offer. We will typically look to cover you on a packaged Public House policy, which would include the following cover as standard:
- Public liability insurance: This insurance covers you for any damage or injury that you cause to third parties while working. This could include customers, clients, members of the public, or even your own employees.
- Employers' liability insurance: This insurance covers you for any claims made by your employees if they are injured while working.
- Buildings insurance: This insurance covers you for the cost of repairing or rebuilding your pub if it is damaged or destroyed by an event such as a fire, flood, or storm.
- Contents insurance: This insurance covers you for the cost of replacing your pub's contents, such as furniture, equipment, and stock, if they are damaged or stolen.
- Business interruption insurance: This insurance covers you for the loss of income if your pub is closed due to an insured event, such as a fire or flood.
Running a pub comes with various risks, making pub insurance essential for financial protection and business continuity. From accidental injuries to property damage and legal claims, the right insurance policy helps safeguard your business against unexpected events.
A comprehensive pub insurance policy can cover:
Without pub insurance, the costs of legal claims, repairs, and business disruptions could be devastating. Investing in tailored pub insurance ensures your business remains protected, allowing you to focus on serving customers and growing your establishment.
Yes, you can arrange pub insurance for a single pub or multiple locations under one policy. Whether you own a single establishment or a chain of pubs, tailored pub insurance ensures that each venue has the right level of protection.
The cost of pub insurance will depend on several factors, including:
If you own multiple pubs, consolidating your pub insurance under a single policy can simplify management and reduce costs. Whether you need protection for one pub or several, a customised pub insurance policy ensures your business stays secure against potential risks.
The cost of pub insurance can depend on a number of factors including:
- The amount of cover required for items such as buildings, contents and stock.
- The annual revenue of the business
The number of staff or wage roll of the business.
- The location of the business.
- The services you offer (such as paid guest rooms or dining).
- Any previous claims or history of subsidence or flooding.
Yes, pub insurance typically covers liability for accidents or injuries that occur on the premises. This includes injuries to customers, employees, and even trespassers.
Yes, you can arrange pub insurance for a single pub or multiple locations under one policy. Whether you own a single establishment or a chain of pubs, tailored pub insurance ensures that each venue has the right level of protection.
The cost of pub insurance will depend on several factors, including:
If you own multiple pubs, consolidating your pub insurance under a single policy can simplify management and reduce costs. Whether you need protection for one pub or several, a customised pub insurance policy ensures your business stays secure against potential risks.
Yes, it's likely that any Pub Insurance policy will have some exclusions and limitations to coverage. For example, most policies do not cover damage caused by war, terrorism, or natural disasters. It is also unlikely that a policy will cover door staff, functions or events automatically and these should be disclosed to us prior to inception. We will always make you aware of any significant limitations or exclusions prior to your policy starting.
Yes, you can typically place additional Pubs on to your existing insurance although sometimes it may be best to take out a separate insurance for these. It may also be possible to transfer your pub insurance policy to a new owner or landlord should you sell the pub, however, you will need to check with your insurance company to make sure that they are willing to do this in good time.
Absolutely, you can typically get coverage for stock or inventory stored at the pub. This can include wet stock, dry stock and even refrigerated or frozen stock. It's important to make sure that you keep an accurate inventory so that the sum insured can be set accurately.
Yes, many insurance companies offer discounts for pub insurance based on safety measures, security systems, or responsible alcohol service practices. These discounts can save you money on your insurance premiums.
Regardless of the occupancy, we can help protect one of your most valuable assets.
High quality car insurance offering wide ranging cover at affordable prices.
Protect your restaurant with a bespoke policy based on your business needs.
