Whether it is a Local, Country or Super Pub it is important to purchase insurance cover specific to your requirements.
Insurers base their premium on a number of factors for example:
Condition and construction of the premises
Functions – is there a dancefloor?
It is important that the information you give is accurate and incorporates all your activities. Otherwise Insurers will not settle any claims for activities outside this definition.
Typically your Pub will require cover for the following:
Including Buildings, Fixtures & Fittings, Contents, Stock including Frozen Food and Computers
Covering your loss of Profit and also may include the additional expenditure required to get you back to a trading position you had prior to a loss
As an Employer you may be held liable for an injury to an employee. Cover for this eventuality is usually included for a limit up to € 13,000,000
When Insurers are calculating the premium to be charged they apply a rate on employee’s wages. It is important to split your employee’s into categories if possible as the rates vary. For example the rate for a Clerical employee would be lower than for a Manual employee.
Public / Product Liability
Public Liability protects you in the event of a claim from a member of the public whether it is in injury, property damage and associated financial loss. Generally the limit covered is € 2,600,000 or € 6,500,000 however higher levels may be purchased
Products Liability protects you in the event of a claim from a member of the public arising out of the sale or supply of your goods.
Does you supply Hot Food?
Other covers which should be considered are:
Employment Practice Liability (EPL)
Covering issues like sexual harassment, bullying, discrimination or other similar employment related issues.
Misappropriation of money or goods by dishonesty or fraud by an employee
Loss of Licence
Covers legal expenses in defending an action brought by a customer or employee
InsurePlus is a regulated and independent insurance broker providing honest insurance advice and quality products for our clients in the business sector. We have earned a first class reputation for our professional approach and excellence.
Our Staff, who have over 40 years combined insurance experience, are focussed on delivering insurance cover, for people in business, which is competitively priced supported by an unbeatable and friendly service.
What do we do for you?
First, we listen to what you need.
Then, we provide a comprehensive search of the insurance market to ensure you get quality cover at an affordable price.
Throughout the year, we support you with our knowledge, advice and day-to-day service.
Ultimately, if you have a claim we handle the paperwork and give you the best advice which is necessary to organise settlement.