Pub & Wine Bar Insurance

Pub & Wine Bar Policies

Insurance Price have been working closely with leading insurers to tailor our pub & wine bar insurance policies to fit our customer’s needs. Policies are competitively priced and offer a wide range of cover, ensuring that you are getting excellent value for your money. There are 2 core types of cover for your pub or wine bar, with optional cover available as required by your business. These core policies are:

• Employers Liability Insurance: Enables businesses to meet the costs of compensation and legal fees. Employees injured due to an employer’s negligence can still seek compensation even if the business has ceased to trade. Even if you use self-employed staff, unpaid employees or volunteers you may still need Employers liability insurance. The law states most employers must have employers liability compulsory insurance. However, you may not need it if you have no employees, are a family business and closely related to your staff. Our pub & wine bar Insurance policy has an automatic £10,000,000 indemnity limit. When purchasing a policy with employers liability, you will be required to supply some additional information about your business, including your Employer Reference Number (ERN), so it can be recorded on the Employers’ Liability Tracing Office (ELTO) database.
• Public Liability Insurance: Provides cover against claims made by members of the public who have suffered injury or damage to property in connection with your business. If a member of the public is injured on your property you may be held responsible. For example, a customer might slip on a wet floor. It is designed to pay compensation which can include loss of earnings, future loss of earnings and damages awarded to the claimant in addition to your legal cost in defending the claim and the claimants' legal costs that you incur if you are found to be at fault.

Optional Pub & Wine Bar Cover

In addition to the core cover listed above, we offer a selection of additional cover options at competitive premiums:

• Loss of License Insurance: Provides cover against loss of alcohol licence, not through your own fault, and income lost as a result from the loss of alcohol sales. It is important that you cover the correct amount for loss of licence as failure to do so could result in the insurers not paying the full amount of a claim.
• Money Insurance: Cover for loss of money, including non-negotiable instruments such as crossed cheques, up to specified limits as well as the cost of repair or replacement of safes, tills and the like if damaged as a result of theft. This section extends to include credit cards.
• Legal Expenses Insurance: Subject to specific limits, legal expenses for all insuring clauses stated below except for tax protection where cover is for professional expenses. In addition, awards of compensation are covered under employment disputes and compensation awards are covered under data protection. Cover is only in respect of claims arising from your business activity.
• Personal accident assault: Covers injury to an insured person as a result of an assault in the course of their duties up to limits specified in the policy, any medical expenses to specified limits and up to £250 damage to clothing at any one time.

Obtaining a Quote

You can get started by visiting our secure online request a quote page. If you need any support, advice or just help with insurance in general, you can get in contact with us via the following:

• Telephone: 0161 763 8222
• Fax: 0161 241 6760
• E-mail: enquiry@insuranceprice.co.uk
• Filling in our contact form
• In person: 52a Bolton Street, Bury, BL9 0LL

If you would like to talk to one of our experts in person, our office hours are 9:00am – 5:30pm Monday to Friday and 9:00am – 12:00pm on Saturdays.