At Howard Insurance Services we specialise in arranging insurance for the hotel, pub & licensed trade sector. Regardless of the size of your business, we can provide a full licensed trade policy to cater to your needs.
We’ll work with you to ensure you get the right level of insurance and will aim to provide you with a competitive quote. Your business premises may have a number of additional features from bars to swimming pools, so we’ll work with you to ensure you’re covered for these. This means you shouldn’t be faced with any nasty surprises if you need to make a claim.
Buildings & contents
Loss of licence
Goods in transit
Public and product liability
When insuring a public house, you will first need to determine whether you run a standard, non-standard or bespoke establishment. It’s important for insurers to know which you are in order to determine the level of cover that’s right for you. Howard Insurance Services will work with you to ensure that your pub is covered in accordance with factors such as its opening hours, whether you run events, accommodate discos or private parties and so on.
Perhaps unsurprisingly, the most common cause of accidents in a pub is due to slips and trips caused by wet floors. Your policy will cover for injuries sustained for this type of event, including a host of other features such as loss of cash/licence, damage to fixed glass and business interruption.
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