Bar and Pub Insurance

Business insurance for pubs, lounge and café bars

Pub insurance needs to include public liability as well as personal liability for those who work in the bar. One of the most crucial aspects of pub or bar insurance is the inclusion of liquor liability insurance. This protects your business against loss or damages claimed as a result of a patron of your business becoming intoxicated and injuring themselves or others. If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then your business may need this coverage.

Running a successful bar or pub can be a demanding occupation. One of the most important aspects of the business is the insurance carried by the proprietor or owner of the bar – they have to ensure that not only is their property and workforce protected, but that the public are too.

“The pub and restaurant trade encounter a different set of issues when it comes to insurance. Whether you run an Irish bar, a lounge bar or any other premises where liquor is sold, the insurance has to be sufficient to cover every eventuality. It is estimated that only 35% of pubs and bars have adequate coverage, which means a lot of businesses are leaving themselves vulnerable to claims against inadequate insurance coverage.”

Liquor liability coverage may be sold as an add-on to a commercial liability policy or as a separate liability policy. But, if you do not purchase this extra coverage your standard liability policy does not protect your business against these kind of claims.

QuoteRack.com puts you in touch with insurance and finance specialists who understand the complicated nature of café bar insurance and insurance for all types of bar and pubs. QuoteRack.com only works with companies that will be able to provide you with a competitive bar insurance quote that maximises your coverage.

QuoteRack.com offers a wide range of insurance categories, such as landlords property insurance and critical illness protection insurance.