Pubs & Restaurants Insurance

Pubs & Restaurants

Getting the right insurance cover is vital for your pub, restaurant or licensed trade business. Without the right protection, you are leaving your business at risk from a variety of potential hazards.

At Henry Seymour & Co, you can compare quotes from leading insurers online via our business insurance website, Brisco.   You can search the market for a selection of policies that meet your needs. Whether you looking for pub insurance, city centre wine bar insurance, late night music venue insurance or restaurant insurance, there will be a suitable policy for you. If you are unsure what covers you need, just contact us and our friendly advisers can explain the options available.

Typical Policy Cover

Contents Insurance

Cover to protect your pub or restaurant contents, fixtures, fittings, glass and equipment from a range of perils including fire, flood, storm and theft. Cover often includes loss of frozen food.

Check out our ultimate contents insurance guide for all you need to know!

Stock Insurance

Cover to protect the stock of your pub or restaurant from a range of perils including fire, flood, storm and theft.

Money & PA Assault Insurance

Cover to protect your pub or restaurant business money on the premises in and out of business hours, in safes or at the homes of directors or employees. Cover will also include money in any gaming machines. Benefits are also available in the event that a member of staff is assaulted as a result of theft or attempted theft of money.

Loss of Income / Business Interruption Insurance

Covers the loss of profits/revenue from your business following loss or damage at your premises.

Public Liability Insurance

Covers compensation claims made by the general public, clients and customers for injury or property damage arising out of the negligence of your pub or restaurant business.

Everything you need to know can be found in our public liability insurance guide.

Products Liability Insurance

Covers compensation claims made by the general public, clients and customers caused by any products supplied by your pub or restaurant. This cover will protect you against any defective food or drink that is served in your establishment including any claims for food poisoning.

Employers’ Liability Insurance

This is a compulsory cover within the UK if you employ staff and covers your legal liability for injury happening to your Employees whilst at work.

Find out all you need to know in our employers liability insurance guide.

Legal Expenses Insurance

Cover for your legal costs and expenses in pursuing or defending an employment or property dispute. Compensation available for tax investigations and jury service. Access to legal helplines is also often provided

Optional Extensions

Buildings Insurance

Cover to protect your pub or restaurant property from a range of perils including fire, flood and storm. Policies can be extended to include cover for accidental damage and subsidence, heave and landslip.

All the information you will need can be found in our buildings insurance guide.

Terrorism Insurance

The insurance industry now excludes Terrorism cover from all insurance policies and this valuable cover can be added at an additional cost.

All Risks Insurance

Cover is available to protect your pub or restaurant equipment whilst away from premises. Typical items covered will include laptop computers and mobile phones.

Computer Equipment Breakdown Insurance

Cover for accidental damage, breakdown and failure of any computers, machinery or office equipment including any resultant interruption to your business.

Loss of Licence Insurance

Protection for your business following loss of licence due to forfeiture or refusal to renew. Cover includes legal costs in appealing against the loss of licence.

Get a quote NOW or contact us for further information.