Licensed Venues Insurance
Licensed Venues insurance is specialised insurance for owners and/or those operating a licensed venue to protect them against financial losses. If your business relies on customers visiting your commercial premises, then licensed venue insurance is vital for you.
What is Licensed Venues Insurance?
As a licensed venue owner or manager, you’ll be fully aware that without customers, staff, stock and perhaps suppliers; your business cannot operate. However, being in direct contact with the public comes with its own set of risks. Without the correct business insurance, unexpected events could leave you significantly out of pocket and even leave your licensed venue unable to trade for long periods.
You will need to consider risks such as a customer having an accident on your premises, becoming ill as a result of consuming your products, your stock being damaged by fire or flood, and employees being injured whilst working for you.
It is crucial to seek independent advice to make sure you get the correct business insurance to suit the way your licensed venue operates.
Alexander Swan will work together with you so that we can build a tailored, all-encompassing licensed venues insurance policy to perfectly match the size of your business and the risks it is exposed to.
Unlike dealing directly with an insurance company, Alexander Swan has access to multiple insurers and their diverse policies. This broad reach allows us to present you with a range of options, increasing the likelihood of finding the most competitive rates and comprehensive coverage. We are with you every step of the way, from helping you choose the right insurance through to fully assisting you should you ever need to make a claim.
Licensed Venues Insurance at Alexander Swan
If you run a licensed venue, important considerations when sourcing business insurance include the following:
- Employers’ Liability: If you employ staff, employer’s liability is a legal requirement to protect against injuries caused to an employee whilst working.
- Public and Products Liability: This is essential to protect you against potential claims from the public in case they are injured, get sick or their property is damaged in connection with your business – whether that be a customer, supplier or a passer-by.
- Business Interruption: This covers lost income and/or the cost of relocating your business (either temporarily or permanently, depending on the circumstances) if your business is unable to operate due to unexpected events.
- Equipment Engineering: This covers the cost of inspecting/repairing equipment such as coffee machines, ovens, fridges and any machinery that your business relies on to operate.
- Legal expenses cover to protect you against any costs of legal disputes
- Goods in transit
- Glass cover
- Deterioration of stock
- Loss of licence
Different Insurance
In addition, further cover is available for:
- Buildings Insurance: Whether you own or rent the premises your business operates from, it’s important to protect against damage to the building.
- Theft or damage to contents, equipment, electronics and stock
- Tenant improvements
- Electronic Business Equipment, Sound, Lighting,
- Entertainment
- Tobacco, Wines & Spirits
- Outdoor catering
- Deep Fat frying including Full Ranges
Alexander Swan will work together with you so that we can build a tailored, all-encompassing licensed venues insurance policy to perfectly match the size of your business and the risks it is exposed to.
Unlike dealing directly with an insurance company, Alexander Swan has access to multiple insurers and their diverse policies. This broad reach allows us to present you with a range of options, increasing the likelihood of finding the most competitive rates and comprehensive coverage. We are with you every step of the way, from helping you choose the right insurance through to fully assisting you should you ever need to make a claim.
Licensed Venues Insurance
Restaurant Insurance
Restaurant insurance is a specialised business insurance to protect against the various risks associated with the restaurant industry. Restaurant business insurance provides financial protection and helps keep the business running if things go wrong or unexpected events happen. Public liability and employer’s liability is a vital part of your insurance package, as it’s important to have protection if a customer, passer-by, employee or supplier is injured or their property is damaged because of your business.
Pub Insurance
Pub insurance is specialised insurance designed to protect all types of licensed premises against the many risks they face. Public liability and employer’s liability is a vital part of your insurance package, as it’s important to have protection if a customer, passer-by, employee or supplier is injured or their property is damaged because of your business.
Bar Insurance
Bar insurance is a type of Licensed Venues insurance specifically designed for owners and/or those operating a bar to protect them against financial losses. Public liability and employer’s liability is a vital part of your insurance package, as it’s important to have protection if a customer, passer-by, employee or supplier is injured or their property is damaged because of your business.
Nightclub Insurance
Nightclub insurance is a type of Licensed Venues insurance specifically designed for owners and/or those operating a nightclub to protect them against financial losses and keep the business running if things go wrong. Public liability and employer’s liability is a vital part of your insurance package, as it’s important to have protection if a customer, passer-by, employee or supplier is injured or their property is damaged because of your business.
Mobile Bar / Tuk-tuk Insurance
Mobile bar insurance is a specialist type of business insurance designed to protect mobile bar and tuk-tuk businesses from the unique set of risks they face. As well insuring the vehicle itself, public liability and employer’s liability insurance are vital parts of your insurance package, as it’s important to have protection if a customer, passer-by, employee or supplier is injured or their property is damaged because of your business.
