Commercial restaurant insurance coverage is a necessity for restaurants, donut shops, coffee shops, delicatessens, pubs, bistros, and nightclubs.
Running a pub means juggling numerous tasks every day. It means having all sorts of stress in your life all the time. You do not want to let your pub insurance become one of the things which cause you stress.
Putting a good insurance policy in place will reduce stress and worry down the road, and it will allow you to focus on the operation of your pub.
An appropriate insurance policy for a pub needs to provide coverage for a variety of risks. It should cover employees, equipment, buildings, liquor liability, general liability, and loss of income.
If alcohol is served, liquor liability should be included. This insurance will protect you and your pub if a customer gets intoxicated and causes injury to themselves or others or damages to property. There are a number of coverage options with varying limits and deductibles. Make a note to talk to your licensed insurance professional to review what you need.
Additionally, your pub insurance should cover workers compensation and perhaps insurance to cover plate glass and signage. In this day and age, the pub insurance policy should also cover food-borne illness.
Be sure you discuss the unique aspects of your business with your licensed insurance professional so your agent can help you determine the appropriate coverage.