Public House

Tailored to provide cover for items such as damage to premises and stock, and protect against liability claims. You get specialist cover for licenced trades with our Public House Policy.

Features

• Stock cover
• Contents cover
• Business Interruption
• Money
• Goods in Transit
• Book Debts
• Frozen Food
• Employers Liability
• Public and Product Liability

• Loss of Metered Water £2,500 any one claim, maximum £5,000 anyone period of insurance
• Landscaped gardens - following damage by emergency services £1,000 in anyone period of insurance
• Trace and Access up to £2,500
• Capital Additions - 10% of the building sum insured or £250,000 whichever is less. 10% of trade contents for fixtures and fittings or £100,000 whichever is less
• Replacement of locks and keys following theft or damage £1,000 anyone claim
• Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January
• Rent Payable - up to 25% of the contents sum insured
• Rent Receivable

Optional Extensions

• Buildings cover available as an optional extension
• Damage to garden furniture – Up to a maximum of £500 any one claim including theft
• Household Goods available up to a limit of £40,000
• Loss of Licence available up to a limit of £100,000
• All Risks – UK or Worldwide available as an optional extension
• Legal Expenses available as an optional extension
• Liability can be extended to cover childrens play areas
• Outside catering extension available
• Terrorism available as an optional extension