WHILE you’re rushing around your pub or restaurant making sure your customers are relaxed and satisfied, your own stress levels could be going through the roof.
You may have created a welcoming and easy-going ambience, but it is still a place of work for you and something on which your very livelihood may depend. That’s why it’s essential to have good pub, bar or restaurant insurance in place in order to protect your business from the many risks involved in your line of work.
What are the risks?
Your business can be quite vulnerable to quite a few different risks, especially in an environment where alcohol flows and customers are coming and going all the time. Most of the time this can add up to a memorable night out for your customers, but on occasion, things can go wrong and that’s where your business is at risk.
Among the many things that can happen when excess alcohol is involved are assaults on your staff, both physical and verbal, and customers injuring themselves while on your premises. Then you have the risk of one your customers falling ill due to poorly prepared or undercooked food and taking a legal case against you.
It’s not just customers’ action which can put your staff in the firing line. Your employees can also injure themselves or fall ill in the line of duty, leaving you open to a claim.
The building itself can also be damaged as a result of flood, fire or other natural occurrences or your business could also be disrupted by theft or vandalism. Even if your premises don’t suffer too much damage, your stock can and this can greatly impact on your income.
There’s no way of telling what’s around the corner, but you can be prepared and protected against financial loss with an insurance policy for your pub, bar or restaurant. We’ll help you find a plan which suits your business best and help lower those stress levels.
So what’s on the menu?
With our experience of insuring businesses in the hospitality sector, we are well aware of the many things that can happen to your business – even if you’re not.
Therefore we know how to build a plan to suit your business, with our standard policies including the following features:
- employers’ liability insurance to protect you against claims brought by your staff. We can provide cover of up to £10m.
- Up to £2m worth of public and products liability cover to protect you from claims brought by customers or other third parties.
- commercial legal expenses cover to meet legal costs in the event of an action being brought against you.
- contents cover
- business interruption cover
On top of all this, we can provide specifically tailored features which will reflect how your pub, bar or restaurant operates.
That way, you can put together a policy that is exclusive to you and protects everything you need to keep safe.
These extra features could include loss of licence protection, theft by members of staff, accommodation protection for your family and guests, additional options on building cover and terrorism.
Of course no-one will know your business better than you, so why not get in touch with us and we’ll be able to give you a more detailed idea of what we can provide you with.
Your customers may not always see the work that goes on behind the scenes to keep a restaurant or bar running smoothly as they relax and unwind.
But you will be all too aware of the hard graft that goes into it. That’s why it is so important to take good care of your investment and even plan how you might deal with even the most drastic of events. There’s no use waiting until something happens before you figure out what to do about it.
Unless you have bucketloads of cash to throw at the problem, you’ll need to have the right plans in place should something go wrong. That’s why is sensible to spend the time and get the best insurance in place for your pub, bar or restaurant.
Get a quote for Restaurant, Bar and Pub insurance from BusinessInsured today or call our expert team to chat about your specific needs on [pubnumber].