A successful pub or restaurant has to contend with long hours, late nights, crowds, heated kitchens and the odd difficult customer. It makes sense to find cover that is flexible enough to fit your exact requirements.
The Miller Commercial Brokers Promise
We make sure we find the right policy at the right price to make sure your business, property and personal liability are fully covered and will help and support you in the event of a claim.
Miller Commercial Insurance Brokers are a local, independent insurance broker that guarantee the personal approach. We maintain a manageable portfolio of clients in Staffordshire and Derbyshire, meaning you always get a value-for-money service and our full attention.
Pub and Restaurant Insurance
All pubs and restaurants need good insurance cover that is realistic about the risks the business is exposed to. A successful pub or restaurant has to contend with long hours, late nights, crowds, heated kitchens and the odd difficult customer. It makes sense to find cover that is flexible enough to fit your exact requirements.
At Miller Commercial Brokers we understand that every business is different. We see it as our job to make sure that you’re fully covered for everything that you need whilst not making you pay for things which you won’t need. We are confident that we can use our connections to source a flexible plan that’s right for you. On the right of this page we’ve listed some elements which are commonly included in a pub or restaurant insurance policy.
We work by getting to know our clients and their needs thoroughly. If you request one of our quotes we will take the time to speak to you properly and ask the right questions to determine what you need. If appropriate we will visit you to look over your premises in person. Questions we might ask include:
- What’s the typical value of your stock?
- Do you hold cash on the premises?
- How many employees do you have?
- What kind of security and alarm system do you have?
- Where are your premises situated?
- What type of building are you in?
All these things are important when considering the cover that you will need and the premiums you will pay to secure it. Once we’re sure that we’ve understood your needs we’ll be in a position to give you your free quotation. After that, the choice is yours.
Cover your stock against theft or damage. Our policies are flexible enough to account for seasonal increases when you might be holding more stock than usual for a few weeks.
Damaged windows can be a security risk and will impact on the kerb appeal of your premises. Cover yourself against malicious or accidental damage so you can make fast repairs if you need to.
You can include buildings insurance for your premises as part of this policy if you wish to. This can help simplify your insurance arrangements and may work out cheaper than having separate policies.
Loss of License
The licence to sell alcohol is key to pubs and many restaurants. It is possible to cover yourself against the loss of licence so that your income is protected and you are recompensed for a loss in value of your business if you need to sell.