With the recent announcement by the government on the 21st September reopening of pubs in Ireland which do not serve food, now is an important time to look at your pub insurance requirements if you are an owner. The coronavirus pandemic has cause unprecedented upheaval in all areas of life and the pub industry is no exception. Pubs and restaurants have been having difficulty with insurance companies paying out for loses made during the pandemic when establishments were forced to close by government order. Some test cases are due in court in the coming months and it will be interesting to see the outcome and if Ireland’s 1,000 or so pubs can claim for income losses as a result of the pandemic.
Lloyds insurance brokers have been following developments and are in a position to advise on the best A – Rated policies to protect your premises in these difficult times.
Why insure your pub?
Pubs are public buildings within which the safety of your customers is paramount. Pubs are also businesses with an income which needs to be protected. A good pub insurance policy should include the following:
- Perils cover on building, stock and furnishings
- Employers liability
- Public and products liability
- Consequential loss cover (loss of earnings cover)
- Business interruption
- Glass and money.
Why use a Broker?
Using a good insurance broker will take the hassle from the process of finding the best policy for your business that covers everything you need it to cover. We at Lloyds research and compare the best value policies on the current market to ensure the following:
- Adequate cover for your staff and customers
- Best value for money policies
- Up to date advice to cover coronavirus related issues
- We advice on risk management
- We handle claims for you
- Fast turnaround.