Pub Insurance | Commercial Insurance in Brighton

Pub Insurance: Keeping Your Brighton Pub Safe and Secure

Running a pub in Brighton is a rewarding but challenging business. From attracting customers and serving delicious drinks to managing staff and ensuring a safe environment, there are many aspects to consider. One crucial element often overlooked is comprehensive pub insurance.

At Becks Insurance Brokers, we understand the unique risks faced by publicans in Brighton. Our expert team can tailor a pub insurance policy that protects your business from a range of potential threats, providing peace of mind and financial security.

Why is Pub Insurance Essential?

Pub insurance is not just about protecting your building and stock. It covers a wide range of risks that could significantly impact your business, including:

• Public liability: This covers claims from customers or visitors who are injured on your premises due to negligence.

• Employers' liability: This covers claims from employees who are injured or become ill due to their work.

• Product liability: This covers claims from customers who are injured or become ill after consuming food or drink purchased from your pub.

• Property damage: This covers damage to your building, fixtures, fittings, and stock from fire, theft, vandalism, or other insured perils.

• Business interruption: This covers loss of earnings if your pub is forced to close due to an insured event.

What Does Pub Insurance Cover?

A comprehensive pub insurance policy from Becks Insurance Brokers will typically cover:

• Buildings and contents: This includes cover for your pub building, fixtures, fittings, stock, furniture, and equipment.

• Public liability: This covers you for claims from customers or visitors who are injured on your premises due to negligence.

• Employers' liability: This covers you for claims from employees who are injured or become ill due to their work.

• Product liability: This covers you for claims from customers who are injured or become ill after consuming food or drink purchased from your pub.

• Liquor liability: This covers you for claims arising from the sale and consumption of alcoholic beverages.

• Money and valuables: This covers you for loss of money, cash, and other valuables held on your premises.

• Glass breakage: This covers you for damage to glass windows, mirrors, and other glass features.

• Business interruption: This covers you for loss of earnings if your pub is forced to close due to an insured event.

The Benefits of Pub Insurance with Becks

• Peace of mind: Knowing you are protected from a wide range of risks can give you peace of mind to focus on running your business.

• Financial security: Pub insurance provides financial protection in the event of a claim, helping you recover from a loss and continue operating.

• Tailored cover: We work with you to understand your specific needs and tailor a policy that provides the right level of cover for your business.

• Competitive pricing: We offer competitive premiums and flexible payment options to suit your budget.

• Expert advice: Our team of experienced brokers are always on hand to offer advice and support.

Common Risks for Brighton Pubs

Brighton pubs face specific risks due to their location and the nature of their business. Some common risks include:

• Alcohol-related incidents: This includes accidents, fights, and other incidents that can occur due to the consumption of alcohol.

• Vandalism and theft: Pubs are often targets for vandalism and theft, especially in busy areas.

• Fire hazards: Cooking equipment, electrical wiring, and other hazards can increase the risk of fire in pubs.

• Flooding: Brighton's proximity to the sea and coastal location make flooding a potential risk for pubs.

• Accidents and injuries: Slips, trips, falls, and other accidents can occur on pub premises, leading to claims.

Practical Tips for Pub Owners

• Regular safety checks: Regularly check your premises for potential hazards and ensure safety procedures are in place.

• Train staff: Train staff on safety procedures, alcohol awareness, and customer service.

• CCTV: Install CCTV cameras to deter crime and provide evidence in the event of an incident.

• Security measures: Implement security measures such as alarms, locks, and lighting to deter theft and vandalism.

• Regular maintenance: Regularly maintain your building, equipment, and fixtures to prevent accidents and breakdowns.

Get a Quote Today

At Becks Insurance Brokers, we are committed to providing our clients with the best possible pub insurance cover. Contact us today for a free, no-obligation quote and let us help you protect your business.

Becks Insurance Brokers - Your trusted partner in Brighton.