What you need to know about running a licenced premises.

Whether you run your own Public House or you run a tenanted or leased Pub we have the product to suit your needs.

We know running a pub comes with its own headaches and you’ll find our Pub insurance policy is simple to understand and affordable to help you concentrate on what matters most, your customers.

Our product comes with a variety of enhancements that we feel improves your protection and this includes; member of the public slipping up on your premises, or if one of your staff injures themselves, especially when you are busy then this covers your legal liability.

We also appreciate your Pub may include serving hot and cold food within the bar area or inside a restaurant. We have a product that covers both. For more details, please speak to one of our experiences staff.

Our product includes (subject to your requirements):

• Liability to the public
• Employers Liability
• Money you keep on your premises or in transit to the bank
• Book debts
• Guest Rooms
• Alternative Accommodation
• Loss of Licence
• And many more..

It is essential you are covered for the right amounts. We will help guide you through the process and recommend levels of cover where we feel it is necessary at a price that is competitive in the market.

Limits of cover can be extended for Tenants Improvements, Business Interruption and Buildings cover. We have a product to suit your individual requests.

If your circumstances change, such as taking on extra staff or altering your business activities, let us know and we’ll adapt your cover to your needs, and save you some money wherever we can.

Financial Planning Hints

You need to understand the costs of running your business. You may be extremely busy but if outgoing costs exceed the incoming funds, you may find running a Pub isn’t what you thought it would be! You will need to be fully committed and work hard to get the profits up. You may be able to save expenses so consider the following things:

Other things to consider:

• Do you need to insure the building?
• Cash Flow
• Business Plans
• Legal requirements – Contracts/Agreements including the length
• How will do your accounts
• Business rates
• Gas and electrical costs
• Do you have Game machines – Have you registered?
• Staffing – How many do you need?
• Pensions – requirement for all businesses
• Stock
• Property Improvements and the financial costs
• Safety certificates
• Licences
• Marketing

Under the Licencing Act 2003, the law focuses on four objectives which you must comply with otherwise you could put your business at risk, these are:

• The prevention of crime and disorder,
• Public safety,
• Prevention of public nuisance,
• The protection of children from harm.

Getting individuals in who want to work for you to do the right job and deliver a unified message is a task on its own. Staff training will be an essential part of your role as the management leader or team.

Some types of training are mandatory, especially under the Licencing Act. Staff need to know their obligations. Involving them in meetings and decision making will not only get them to buy into your vision it will also contribute to the fulfilment of all relevant legislation.

Training may include:

• First Aid
• Health and Safety
• Date Protection Rules
• Food Safety Level 2 – if serving of food is included
• Stock Control
• Customer Service

There are many more things to consider but you are able to approach the pub chain for guidance and direction. Each chain will have area and regional managers who will be more than happy to help.

Simply call Pub Protect on 0330 3353839 to speak to one of our experienced staff members about getting a quote.

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