Public House Insurance is a specialised insurance product which has been designed to offer an all-in-one insurance solution for pubs, bars and private clubs. Unlike other types of small retail business, public houses and other premises licenced to sell alcohol require a more rounded type of insurance package. As with other types of small nosiness insurance aimed at retailers, Public House Insurance covers the business for damages and lost to goods and property, as well loss or theft of cash, along with a level of public liability and employee liability cover to meet legal requirements. However, Pub Insurance extends cover by adding insurance for loss of alcohol license, and an increased level of cover for small damages (such as glass breakages).

Who needs Public House Insurance?
Public House Insurance is not a legal requirement per se. However, every public house, bar or club is required by law to have an employers liability policy to cover accidents and injury to staff, as well as a public liability policy to protect them from damages claims made by the public. Public House Insurance incorporates both of these legally required forms of insurance cover and packages them with complimentary features. This is the most cost effective way for public houses to cover their risk and conform to legal requirements. Therefore, Public House Insurance is a desirable product for all premises licensed to sell alcohol.

Things to look out for when procuring Public House Insurance
The main concern for licensees and managers who are considering some form of Public House Insurance comes in the shape of the level of public liability cover the proposed policy offers. Some larger pubs and bars may find that the relatively low level of cover provided by this type of all-in-one policy is not adequate. The same is true for large bars with many staff; the minimal level of employers liability cover included in the policy may not be enough.

A secondary concern is to try and ensure that the policy has a significant amount of cover for the eventuality of a loss of alcohol license. This is especially true for independent pubs and bars, with a traditional landlord and not a brewery employed manager. Loss of the landlord’s alcohol license can result in a severe loss of earnings and ultimately the closure of the premises. Make sure that the policy chose makes a significant provision for recompense should this disastrous situation occur.