Public house insurance provides comprehensive protection including buildings and contents, public and employers' liability, business interruption, loss of licence cover, and specialist risks like cellar stock and kitchen equipment damage.

Yes, if you serve food, you'll need products liability coverage and potentially enhanced public liability limits. We can tailor your policy to include comprehensive food service protection.

Yes, most policies include coverage for outdoor areas like beer gardens, including public liability for incidents occurring in these areas and coverage for outdoor furniture and equipment.

We aim to process straightforward claims within 5-10 working days. Complex claims involving business interruption or significant property damage may take longer, but we'll keep you informed throughout the process and provide interim payments where appropriate.

First, ensure everyone's safety and call emergency services if needed. Then contact us immediately on our 24/7 claims line. Document the incident with photos, gather witness details, and avoid admitting liability. Keep all receipts for emergency repairs or additional costs.

Standard exclusions include damage from wear and tear, deliberate acts by the policyholder, and incidents occurring outside licensing hours without prior arrangement. We'll clearly explain all policy terms and exclusions before you purchase.

Yes, our business interruption cover compensates for lost gross profit during temporary closure due to insured events. This includes coverage for ongoing expenses like staff wages and rent during the closure period.

Previous convictions, particularly those related to licensing, violence, or dishonesty, may affect your premium or coverage options. However, we work with insurers who consider each case individually. Full disclosure is essential - non-disclosure could void your policy.

Convictions related to licensing violations, assault, fraud, theft, or drug-related offenses are typically viewed most seriously by insurers. However, the age of convictions, circumstances, and your current situation are all considered.

For insurance purposes, you typically need to declare all convictions, including spent ones, as insurance is exempt from the Rehabilitation of Offenders Act. We'll advise you on specific disclosure requirements during the application process.

Generally, staff convictions don't directly impact your policy unless they're in key positions or handling money. However, you should conduct appropriate background checks and inform us of any significant concerns about key employees.

Yes, poor credit history doesn't automatically prevent you from obtaining coverage, though it may affect your premium or payment options. We work with insurers who consider the full picture of your business and personal circumstances.

Credit history can influence pricing as insurers view it as an indicator of risk management. However, other factors like your pub's location, security measures, and claims history are often more significant in determining your premium.

Previous business failures or personal bankruptcy don't automatically disqualify you from coverage. Insurers will consider the circumstances, how long ago they occurred, and your current financial stability. Full disclosure is crucial for maintaining valid coverage.

Yes, we offer various payment arrangements including monthly direct debit, quarterly payments, or annual payments. Some insurers may require annual payment upfront for applicants with significant credit concerns, but we'll find the most suitable option for your situation.

Demonstrating strong business management through detailed financial records, implementing good security measures, maintaining a claims-free history, and working with experienced pub management can all help offset credit concerns when insurers assess your application.