Public House Insurance - Online Public House Insurance requests from Peacock Insurance

Pub Insurance Experts.

Our Pub Insurance policies are specially designed to meet your exact Public House Insurance needs.

At Peacock we understand that running a public house is not just a job but a way of life 24 hours a day 7 days a week. We appreciate that the last thing you need is to spend hours dealing with insurance matters. That's why we only use a panel of specialist, high profile insurers with comprehensive policies and most importantly, fast, efficient claims handling services because let's face it, if you need to make a claim the most important thing for you is to keep the business running efficiently.

Whether you are a freeholder, leaseholder or tenant; run a public house, wine bar, inn, bar, bistro, small village pub to national chains of city pubs we can obtain the perfect insurance policy for you tailored specifically to your needs. Quality cover for single or multiple licensed premises with or without restaurants, letting rooms or entertainments, dance floors and also those pubs which charge an entry fee is available at incredibly competitive premiums.

Our competitive premiums will save you money and our experienced team of advisors will save you time. We go to the leading UK's insurers on your behalf, leaving you safe in the knowledge that you'll get the cover you need at the right price, without the hassle of ringing around. We pride ourselves in taking the time to fully understand our client's needs, ensuring you get the right policy for your business.

For a competitive no-obligation quote, or for further information and advice, talk to our Pub Insurance team today on 0845 388 70 15, or alternatively request a quote online by clicking Pub Insurance today.


Why chose Peacock for your Public House Insurance?

  • Professional, personal service with experienced staff
  • Competitive premiums from our panel of leading Pub insurers
  • Option of inclusive legal cover
  • Introductory discounts available for new businesses
  • Tailor made policies to cater for every type of Public House
  • Monthly payment options
  • Claims management service

 


Typical and standard public house insurance policy features:-

Material Damage

- covers the contents (i.e. fixtures and fittings / stock in trade) of your pub / wine bar against loss or damage.

Public Liability

(not a legal requirement but an absolute must) - covers your legal liability in the event of accident or injury to any third party or damage to property belonging to third parties.

Products Liability

- again, covering your legal liability in the event of an accident or injury to third parties due to the sale or supply of goods.

Employers liability

(a legal requirement for any business employing staff) - covers your legal liability for damages arising from employees' illness or injury which result from their employment by you.

Business Interruption

- covers the loss of profits from your business arising from insured events such as a fire. Four out of five businesses go bankrupt after such an event if they are not adequately covered in this respect.


Some useful tips for insuring your business:-

Additional extra policy features include:-

Legal expenses

- covers solicitors' fees and expenses. It also covers the costs of barristers, witnesses, court costs and opponents' costs if awarded against you.

Computer breakdown

- covers the breakdown / failure of equipment and subsequent loss or damage to records.

Buildings with optional subsidence cover

- cover for the regular perils such as fire, flood, earthquake, explosion

Theft by employees


Loss of licence


Money on premises / in transit


Assault / Personal injury


Fixed glass and sanitary fittings, external signs


All risks cover

- covers specified items that will be used away from the premises e.g. a temporary bar / coolers etc.


Some useful tips when choosing a Pub Insurance Policy:-


1 -- You may reduce your premiums significantly by considering adding a voluntary excess onto the policy. This is the amount you would have to contribute in the event of a claim and is on top of any compulsory policy excess.

2 -- Always consider very carefully your sums insured e.g. under the material damages section of your policy. If you are insured for £10,000 worth of stock and you have a fire at a seasonal time such as Christmas when you will be carrying a lot more stock, you will only be paid out for the sum insured. Remember it is far better to be over insured rather than under insured.

3 -- It is worth remembering that different insurers' policies vary in cover, sums insured and exclusions etc. Some insurers cover as standard risks that are an optional extra with others. It always important to read the policy booklet before you take the policy out to see exactly what is covered. Alternatively our knowledgeable staff can help you with this information.

Peacock Insurance has your Pub Insurance needs covered.
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Firm reference Number: 449832
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