Public Houses

Many insurers provide a bespoke ‘package’ type policy for Public Houses and Bars, catering specifically for all their general insurance requirements.

Premiums reflect the business location, the type of bar/pub, city/town centre or not, food-led or wet only, types of entertainment, licensing hours, paid entrance or not, security and manned-security in place and of course claims experience.

The main insurances included are:

• Property Damage & Theft (Buildings, Glass, Contents, Stock etc.)
• Computers (separate wide cover, some insurers)
• Business Interruption – generally on a Revenue Basis
• Loss of Premises License
• Money on the premises, in safe, in transit
• Employers’ Liability
• Public Liability
• Products Liability
• Legal Expenses (some insurers)
• Personal Accident (some insurers)

Rowlands & Hames have access to numerous insurers competing in this market.