Licensed Premises
Policies will cover any licensed premise from a wine bar to a chain of public houses.
With a specially tailored licensed premises insurance policy, you can get exactly the level of cover you need. This will often start by including employers and public liability, business contents cover and cover for loss of liquor license but often extend to lots of different other needs.
Your premises may often be busy and therefore you may experience a higher than normal need to cover both staff and members of the public in the event of an incident.
You will also have "target stock" which will need to be adequately covered and may have spent considerable money on the décor and fixtures and fittings that all need to be accounted for in a properly designed licensed premises policy.
Covers can include:
- Employers' Liability
- Public liability
- Products liability
- Legal expenses
- Stock
- Buildings
- Contents
- Personal accident and assault
- Money
- Theft by employees
- Goods in transit
- Loss of liquor licence
- Damage to glass and sanitary fittings
- Deterioration of stock
- Business interruption
National Shop Insurance Scheme (NSIS) - Scheme rates are available for this product Get your free obligation quote today