Pubs are difficult businesses in the eyes of some insurers. The fact that your business revolves around bringing in the general public and allowing them to drink alcohol can sometimes make you seem like a high insurance risk. Whilst standard insurance sources may give you basic cover you may find that this isn’t quite enough for your own particular needs and that it doesn’t allow for the way that you run your own pub.

A specialist public house insurance policy, however, may be worth investigating. These policies will usually give you all the essential and general cover that any business needs, plus offer features specific to protecting a business within your industry.

For example, you may get standard building and contents as you need it as well as employers’ liability benefits (which you usually must have by law if you employ other people). You may also be given public liability insurance and legal benefits cover, both of which may be very useful given your dealings with the general public.

The fact is that there are extras that you might find useful depending on what your pub actually offers and on those related issues that might be important to you. Some examples of these sector specific benefits include:

* Business interruption cover to give you financial assistance to help you replace your income if you have to close your pub for a while due to something like a flood or fire, for example;
* Entertainment/equipment cover that could be useful if you run TV screens, jukeboxes, discos or karaoke evenings;
* Extended stock cover to make sure that your valuable drinks, cigarette and food stocks are adequately insured against theft or damage;
* Loss of license cover should you lose your license in certain circumstances and cannot trade;
* Assault and injury cover to protect you and your staff if there is an incident where you or they get injured / assaulted;
* Glass replacement cover to help you replace windows if they get broken or you become a target of vandals.

Some standard insurance policies may cover some or all of these extra benefits but some may only give them as additional extras, which may increase your policy costs. Or they may not be offered at all. You may therefore find that getting specialist public house insurance might get you better levels of protection to match your own needs – and possibly more cost effectively too.

Fiona Kent is the Marketing Manager at yourinsurance.co.uk, specialist insurance brokers providing public liability cover for small and medium sized businesses. Catering for over 500 professions, to complex public house and multi-location retail businesses, We are experts in ensuring you have the right business insurance in place

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