Pub Insurance and Restaurant Insurance

Find out if you can save money on your pub, bar or restaurant insurance today.

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Specialist Pub and Restaurant Insurance Broker

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What is Pub Insurance, Bar and Restaurant Insurance

Pubs, bars and restaurants are bustling places where the welfare of your staff and guests are your absolute priority, which is why we make getting you the right insurance as easy as possible. Each Landlord or Landlady’s insurance will vary on whether you’re a freeholder, leaseholder or tenant tied to a brewery, free house or have guest bedrooms. We can provide you with excellent value insurance designed specially to meet your business needs. We offer a range of insurance covers which your pub, bar or restaurant may find invaluable.

Pub insurance, bar or restaurant insurance policy has three main functions:

  • Protect your property and equipment with building and contents insurance.
  • Protect both your staff and guests and suppliers with employer’s liability and public liability covers.
  • Your income as a business, if required, would be covered by business interruption insurance.

Additional insurance covers that your pub, bar or restaurant may find helpful include.

  • Revenue protection/interrupted business
  • Loss of licence
  • Fixtures, fittings and general contents
  • External signs and blinds
  • Legal expenses
  • Buildings and/or tenants’ improvements (depending on whether you own or rent your pub, bar or restaurant premises)
  • Consumer goods and stock

Why choose Riviera Insurance for your pub insurance?

At Riviera Insurance, we understand the importance of insuring your hospitality venue correctly. That is why we have a large panel of insurers to enable us to help you find the right policies to meet your individual business needs.

Our quick and straightforward approach to creating a tailor-made insurance package means you can rest assured you have the suitable covers in place at a great price. Whether it’s Bar insurance, Pub Insurance or Restaurant Insurance or Hotel insurance, you can rely on us to find a competitive price while providing exceptional customer service.

  • Over 75 years experience insuring Pubs, Inns, Restaurants and Bars
  • Specialist team of qualified insurance professionals
  • 24 hour claims line
  • Quick turnaround times
  • No call centres
  • 5* rated on Google
  • Flexible payment options are available

When you are looking for insurance for your pub or restaurant, trying to find quality cover with peace of mind can be time-consuming, which is why we do the hard work for you. We will save you time by searching many of the top UK pub insurance companies for you. We’ll also work hard to save you money too.

We offer competitive hospitality insurance and understand that quality cover is just as important as a low price. Our teams only work with the most trusted pub insurance companies to provide you with the standard of insurance your business needs.

Common Restaurant and Pub Insurance Claims

Licensees in the UK go to great lengths to make sure their patrons are comfortable, well looked after and most importantly, safe from accidents or injury.

Unfortunately for some patrons and licensees’ accidents happen despite strict supervision and regular inspections, some safety aspects can get overlooked. These can result in accidents and injuries to both guests and staff.

By law, pubs, Inns and bars are required to keep their guests safe and to prevent foreseeable accidents on their premises whenever and wherever possible. Guests injured during a visit to your premises may be entitled to file a pub accident claim for compensation which is why it is essential to have the relevant pub insurance cover in place.

Some accidents can happen anywhere, so they are only classified as pub accidents because they take place within the premises, some accidents are unique to pubs, bars and restaurants and would reply on a claim being paid out under your insurance cover.

Here are some of the more common hospitality accidents and injuries that people log pub insurance claims for:

Old furniture – Many pubs, especially character properties and use their furniture as long as possible. This can cause problems as items such as chairs and tables can weaken over time.  Unfortunately, it has been known for a chair or table to collapse suddenly whilst your the guests are using them, causing various injuries from burns, bruising or fractures.

Slip and falls caused by negligence – Wet floors and uneven surfaces from one area to another, worn carpeting, bunched matting, or curled rigs are some of the more common factors that cause slips and falls within licenced premises.

Theft & assault – If a patron is assaulted or robbed by an employee, the pub may be held liable on the grounds of negligent security for failing to conduct a thorough background check on the employee.

Food poisoning – Chefs take great care in ensuring that your guests have a wonderful experience when dining. However, undercooked meat, or poultry that has been left unrefrigerated for too long, unsanitary kitchen conditions or improperly cleaned kitchen utensils are just some of the ways that bacteria can get transferred to guests causing food poisoning—resulting in claims against your restaurant insurance.

Make sure you are covered for every eventuality with specialist pub insurance through Riviera insurance.

Big enough to save, small enough to care.

Our staff are empowered to contact insurance companies and underwriters on your behalf, giving an entirely personal service across the whole UK with no call centres. We take the time to know your insurance needs to offer you the cheapest insurance policy.

With the added benefit of optional cover, options are to suit you and your pocket. So, finding cheap insurance has never been more simple.

If you are local to Torbay, you can even pop in and see us arrange your insurance at our high street office on Union Street in Torquay.