Pub and Bar Insurance Quotes 

Are you looking for insurance for your Pub or Bar?  
Trying to find an insurance policy that covers your business and interests correctly can be a daunting task. We provide insurance from a wide range of industry specialists and tailor them to your specific requirements. 
 
We can help you find a policy with the covers you require.  
Our dedicated and qualified staff take the time to get to know you and your business to try and find the best cover from the most reputable insurers and in most cases can offer a site visit to take your information and in addition to this we can offer health and safety advice and risk management information. 
 
We remain your sole contact throughout the term of your contract and we are actively involved in dealing with and resolving complaints before they lead to claims against you as well as always being on hand to assist with any mid term adjustments and changes you may need to make as and when they occur. 
 
Town & Country are a national brokerage remaining local in our working practices.  
Our aim is to understand our clients insurance requirements taking into account the needs of the sector and we take the time to listen to you and deliver the right cover at the right price. 
 
We are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
 
For a free no obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 

Insurance Quote Details 

Bar & Pub Insurance Information 

Your Bar and Pub insurance policy will be a package and will include policies to suit your companies requirements, this is how we are able to provide you with better rates as we do not automatically assume that all or nothing applies to your business such as the provision of food, music, dance floors, do you have door staff and your times of business. We make sure we take the details on all of you associated risk so our Business Insurance for Bar and Pub cover will have the best policy wording and the cheapest market rates. 
 
An example of a package put together by Town & Country could include cover for: 
Licenced Premises 
Loss of Licence 
Loss of Income 
Public Liability 
Employment Liability 
Legal Expenses 
Equipment Cover 
Refrigerated Goods 
Products Liability 
Deterioration of Stock 
Opening Hours and Staffing (inc. Door Staff) 
Glass Cover 
Business Money 
Business Interruption 
Directors & Officers Liability 
Personal Accident 
 
You will find that your business may require just some or all of the above, what we are capable of doing which other online resellers are not, is to establish the correct level of insurance to cater for you business to cover the potential risks. 
 
We have taken the time to explain the following cover so you can establish if your business needs this cover and so be sure to inform us of this when you are discussing your business with one of our professional advisers. 
 
Money and Personal Accident (Assault) 
Covers your business money In transit, on premises during business hours, or in a bank night safe 
In the business premises when closed for business or in the private dwelling 
Personal Accident (Assault) 
Death, Loss of Limb(s), Loss of Eye(s), Permanent Total Disablement £10,000 
Total uninterrupted Disablement (up to 104 weeks) £100 per week 
 
Glass Breakage 
Damage to fixed glass and fixed items of sanitary ware 
 
Goods In Transit (OPTIONAL) 
If you have selected this option your needs are those of a retail business that delivers or collects goods and requires cover on those goods whilst in the course of transit 
Damage to the trade contents whilst in transit by vehicles owned hired or leased by you 
 
Business Liability 
The following will automatically be included: 
Employers' Liability £10m 
Public/Products Liability £2m 
 
Business Interruption 
Loss of Gross Profit following loss or damage by an insured peril. 
Cover is extended to provide cover in respect of: 
Prevention of Access 
Specified Diseases, Murder, Suicide, Poisoning, Vermin or Pests, 
Defective Sanitation 
Damage at Suppliers premises 
Failure of Public Supply of Electricity Gas or Water 
Failure of Telecommunications 
 
Equipment Breakdown 
The policy covers damage and any subsequent loss of income caused by Breakdown to equipment or machinery (including computers and refrigeration equipment) up to the limits shown in the policy. 
Includes damage to perishable goods caused by failure of the insured equipment. 
Commercial Legal Protection 
Employment Disputes & Employment Compensation Awards 
Legal Defence 
Contract Disputes 
Property Protection 
Bodily Injury 
Debt Recovery 
Tax Protection 
 
Our policy is flexible and you can elect to amend your sums insured and covers as you work your way through the quote process so you derive a tailored and suited quotation. 
 
Normally, you will have to pay a contribution towards the cost of any claim (this is known as the excess). These excesses will vary according to the covers you have selected and/or our assessment of your risk. Your Policy Schedule will show the specific excesses applicable to your cover. 
 
Correct values at risk must be advised to us. If the sums insured you request are not adequate this may result in the amount that your insurers pay to you in the event of a claim being reduced. Your policy will be issued on the basis that you confirm the minimum standards of security apply to your premises. 
 
Cover will be granted on the understanding that you will cooperate with your insurers in any survey process and that you will comply with any requirement arising from any survey of your premises. 
 
Town & Country works with many insurers, we have excellent working relationships with all our markets and can achieve rates and cover levels our colleagues in the industry find it difficult to replicate.  
 
We would welcome the opportunity to provide you with an insurance quotation when required, we are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
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