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Get Summer ready with the right Pub Insurance

Get Summer ready with the right Pub Insurance

The weather is finally getting warmer. This means your customers will want to get out in your beer garden to enjoy their drinks al fresco. But combining alcohol with heat, pint glasses and gazebos can create certain problems. However, just by taking some preventative measures, you can ensure your pub garden remains a safe place for your customers to enjoy.

Check the condition of garden furniture

Last year’s garden furniture might have looked great then, but it can have to endure a lot in a year. Bad weather and general wear and tear will affect the condition of your furniture. Check over all the furniture and make sure it’s in good enough condition. If you have smoking shelters, then check they survived too. In fact, over the winter, storm damage to smoking shelters can often be the most common claims insurers receive. You should also check all the umbrellas still remain firmly stuck into the ground and that decking and patio isn’t slippery after rain.

New activities, services or equipment

If you want to introduce some new activities this year, consider what implications these could have on your existing insurance. Even something as simple as a temporary bouncy castle or a BBQ. So, check your current policy or contact your insurer to make sure you have the right cover.

Switch to plastic cups

Ideally, pubs should aim to collect in all glasses, pint pots and tumblers after dark. This will help reduce theft and keep your customers safe. Alcohol makes people dehydrated a lot quicker when the weather is hot. So, you need to keep an eye out for those customers who are getting very drunk. The easiest way to minimise the risk of broken glass is by removing it altogether. Switching to plastic cups will be much safer for everyone. You will find that some customers won’t be happy about it though. So you’ll need to explain that you are just considering their safety.

Take on extra staff

If you are planning to hold events during the summer, you might want to consider employing extra staff on site. With potential underage drinking, drunken arguments and other antisocial activities regulated, your bar staff can concentrate on their job. If you’re a small establishment, make sure at least one member of staff regularly walks around the premises to check on things.

Always know who is buying from the bar

When the bar becomes exceptionally busy, it can become difficult to control who is at the receiving end of a round. This can be particularly true when parties have hidden themselves away at the back of the beer garden. Therefore, always operate the Challenge 25 or Challenge 21 rule. Ask the person buying the round who they drinks are for. Never worry about asking these questions. It’s your job and license on the line after all.

Know the law

You can’t expect to remain claim-free if you don’t follow rules outlined in your licence or within UK law. Avoid extended drinking hours if you don’t have the appropriate licence. Also, try to reduce the noise after 11pm if your pub is in a residential area. If someone submits a claim, things will become more difficult for you if you are already breaking the law.

Choose the right pub insurance

Choosing the right insurance package to suit your pub is essential. Business insurance is a legal requirement for all pub owners, but cover requirements will vary. You should make sure you have insurance for:

  • Public liability in case someone becomes injured or property becomes damaged due to negligence on your part. Both of which become more likely when people have been drinking a lot of alcohol.
  • Employer cover. This will protect you in case your employees become injured or ill as a result of working for you.
  • Protection from theft and accidental damage.
  • Business interruption in the event of losing your liquor licence or if the pub becomes flooded.
  • The pubs convents, which includes all fixtures and fittings.
Pub Insurance: All the Cover You Need

Pub Insurance: All the Cover You Need

Pub Insurance

Running a pub is a unique experience and it has its own set of challenges. There are many different considerations to keep in mind at any one time but a priority amongst them must be ensuring you have a good level of pub insurance. Specialist pub insurance premiums will incorporate the tailored covers needed for your individual establishment. Different venues require different levels of cover and even different types of cover, which is why Just Quote Me is here to help to organise the right level of pub insurance for your site.

Although there are different requirements in every venue, the following kinds of pub insurance may make up part of your policy:

Public Liability Insurance for Pubs

You may need commercial property insurance as well as public liability insurance for your pub. However, public liability insurance protects your business should a third party or member of the public claim they were injured on your premises or because of it. It will also cover any claims made on the basis of your pub being responsible for damage to a third party’s property.

Employer’s Liability for Pubs

Almost every pub insurance policy will incorporate employer’s liability cover. Even if you only have one part-time staff member, employer’s liability insurance is a legal requirement. It covers you should an employee make a claim against you. This could be due to an accident or injury or damage to their property.

Additional Pub Insurance Cover

You may require temporary or short-term entertainment and events insurance cover throughout the year. This will depend on the types of activity that take place at your pub. If you have specific events and entertainment planned, discuss it before choosing a policy as you may need additional covers. You may also want to consider contents insurance for the fixtures, fittings, equipment and stock in your pub. Pub contents insurance should cover you against a range of risks including storm damage, malicious damage and theft.

Specialist pub insurance gives you peace of mind. It protects your pub so you can get on with the day to day graft of running it. At Just Quote Me we are ready and waiting to help, simply get in touch today.

To Compare Pub Insurance Quotes Online:

Go to our online Quote System or call us for FREE on 0800 084 2325