A pub isn't really like any other type of business, and therefore the insurance that it needs isn't really like any other insurance. That is why you need to get insurance from a company that understands about the different requirements a landlord has for their business. Insurance is absolutely vital if you run a pub. It is important you protect yourself if a client was to hurt themselves or an employee as well as insure the building itself and all the contents. As well as being common sense, having adequate insurance coverage is required by law so if you are soon to become a pub landlord or want to know more about pub insurance then this article is for you.

Pub insurance needs to be tailored to the individual business. For example a pub serving hot food will have different insurance to one serving drinks and snacks only. If your pub has a children's play area or a function room that's for hire then again, your insurance needs to reflect this. All pubs need public liability insurance. This is for protection against claims made by the general public. A customer who falls off a broken bar stool could make a claim, a supplier could slip over whilst making a delivery of food or drink and decide to make a claim. Public liability insurance protects you against having to settle the claims from your own pocket.

Employee liability is another important part of pub insurance. Normally business owners are required by law to take this out when they have employees working for them. There are particular types of risks in pubs that differ from other places of work, especially if there is a kitchen present. Make sure that your employee liability is thorough so that if a member of staff was to make a claim following an accident, you and your business won't run into serious difficulty by having to pay it personally.

There is more that needs to be covered in a pub insurance policy. The building itself needs insuring against fire and "acts of God". The contents also need insuring and this should include the stock. When you add the value of the bar stools, kitchen equipment, beer cellar and all the stock you will see a considerable amount of value is held in the contents of the pub. Making sure you are adequately covered is important so that items can be replaced in the event of a fire or a burglary.

If the pub in question has a restaurant, it may be more beneficial and even cheaper to take out restaurant insurance than bar insurance. This is something you will need to talk to an insurance broker about as it will depend on the individual circumstances. Bars in pubs tend to have high insurance premiums than restaurants in pubs, but if a considerable amount of profit comes from the restaurant - more than 50% then restaurant insurance may be appropriate.

Just like a car owner must have car insurance at all times, the owner of a pub must be adequately covered too. A pub is quite a unique business and the insurance to accompany it must be tailored to its individual needs. Often people like the look of the cheapest insurance, but it is important that you make sure you are well protected in circumstances such as fire, theft or accidents. This makes research very important before purchasing insurance for your pub.

If you are looking for pub insurance, make sure you consider all your requirements. Whether it is wine bar insurance you need or restaurant insurance cover, talk through everything with several companies before finding the perfect policy for your needs. Insurance is a very important part of running a pub and should be given due consideration.