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:
Loss of Licence
Loss of Income
Deterioration of Stock
Opening Hours and Staffing (inc. Door Staff)
Directors & Officers Liability
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
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
The following will automatically be included:
Employers' Liability £10m
Public/Products Liability £2m
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,
Damage at Suppliers premises
Failure of Public Supply of Electricity Gas or Water
Failure of Telecommunications
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.