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At Intasure, we understand the needs of the licenced trade. Anyone operating a pub, club or licenced premises will need a specialized policy to help them deal with the risks that face their industry.
We have many years of experience in arranging pub insurance and can also cover most other businesses that operate from licensed premises. We have developed our own insurance policy that provides comprehensive cover to enable you to run your business with the peace of mind that you have adequate protection in force should something sudden & unforeseen occur.
We are a licensed premises insurance specialist with a proven track record in pioneering new products specifically tailored to meet the needs of a business such as yours. We can provide a plain English insurance policy wording underwritten and administered in the UK via helpful and knowledgeable staff.
What Risks do we cover?
Our Club insurance policy is as flexible as you need it to be and for convenience and ease of understanding, we have divided it in to several sections with some worthwhile optional extras if required. Certainly all the usual covers you would expect to find in a package policy covering your industry are included. We offer a wide range of insurance perils for your contents and stock. These may include; Accidental Damage, Business Interruption in case of an insured event occuring which affects your ability to trade. We are able to extend this to such events as interruption or interference with your business as a result of denial of access to your premises, failure of a public utility serving your building, damage to contents stored at your premises or an insured event occurring at a key supplier or customer as specified in your schedule of insurance.
Of course, running any establishment selling food or alcohol involves an element of risk of poisoning and your Intasure policy will also include Products Liability insurance of up to £5m. We also include a sum insured for Loss of Liquor License, essential cover for running a business of this type.
If you own the building in which your craft business operates, we can also offer buildings cover. If you are a landlord owning a building that is rented to a tenant and you just need to insure the fabric of the property and loss of rental income without the business risks, then our property insurance department will be able to offer a quote.
We understand running a Licenced Premises is not always plain sailing especially when dealing with legislation and staffing issues, situations may arise where you need a little outside help.
Our optional Intasure Legal Expenses insurance policy can help you with this. We provide a 24 hour helpline dealing with such matters as Commercial Legal Advice, Tax Advice, Business Assistance & Counselling. In addition to this, insurance is provided for:
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*This provides you with a summary of the cover. For precise details of cover, including the conditions and exclusions that apply, the policy document itself should be referred to.
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