Pub, Bar, Club or Hotel
Insurance

• For your employees: If you have employees, you are legally required to be insured for any injuries or illnesses they sustain in the course of their employment (Employers Liability).
• For your customers: If you have customers coming onto the premises, you are liable if they get hurt through your negligence (Public Liability) or get ill from an item you’ve served, perhaps food or drink (Products Liability).
• For you, the owner: If you own or are responsible for the assets of the business, chances are you will have signed a mortgage or lease or finance agreement making it your responsibility to insure them.

If you don’t have the right insurance for your business, should anything unexpected occur, you will need to fund the solution yourself, rather than being able to submit a claim to your insurer.

Covid was something no insurance company ever said they covered.

Some policies did pay out (more by luck than by judgement) because their policy wording could be interpreted that way. So far, the UK insurance industry has paid out over £2.5 billion for Covid claims. Not bad for something which never pays out, eh?

Different insurers charge different amounts, depending on the size and nature of your business and its location. At Prizm Solutions, we have clients paying premiums ranging from £250 to £25,000 per annum.