Pub Insurance

In today’s economy, running a public house can be a challenge. Staying afloat can be difficult enough without having to worry about finding the right type of insurance, let alone finding it at the best possible price!

Whether you’re running a small brewery owned pub or a free house public house and restaurant, having the correct insurance cover can be crucial for protecting your business. So, if you find yourself with more important things to worry about, don’t worry – we’re here to make it easier for you!

Here are some important tips to remember when choosing your pub insurance cover:

 When it comes to choosing the right type of restaurant insurance cover, always take into account your busiest periods of trading (ie. the Christmas period and bank holidays). This will help you to assess the right level of stock and covers that your business requires.

•  Insurers often have an average clause within their policy agreement, stating that if any items you are claiming for are insured for less than their value at the time of loss or damage, then the amount payable by the insurer will be reduced by the proportion you are underinsured. To avoid this from happening, read through your policy carefully and be sure to seek advice when needed.
• If you are leasing your property, always check with your landlord who is responsible for buildings and rent cover. If you discover that you are responsible, don’t worry: we can add this to your existing cover without you needing to take out a separate policy. If you are not directly responsible, it may still be worth asking your landlord if you can add these covers to your policy. This can be a more cost-effective approach, as discounts are far more likely to be obtained from combined policies than separate ones.
• With fire claims on the increase, insurers are brushing up on their policy conditions. In fact, it is now standard practice for most insurers to insist that the entire length of your extraction system, flues, motors and fans be cleaned by a professional at least once a year. So be sure to think ahead!

 At Purple Arc, we aim to stay ahead of policy terms so that we can give our customers the best service at the most affordable price. That’s why we’ve joined forces with an extraction maintenance provider, so that we can offer you a service that’s reliable, price-competitive, and policy compliant. Sound good? Call us now to find out more!