Cactus Cover has been providing pub insurance & wine bar insurance for over a decade which is why we know what we are doing when it comes to insuring your public house or wine bar.
We know that running a pub or wine bar can be stressful and time consuming but using Cactus Cover for your business insurance could save you time and money!
Most pubs and wine bars now operate a late licence and have some form of entertainment that’s why we made sure our pub & wine bar product is flexible enough to help. We can also insure your personal contents if you live above the business.
When you insure the contents and stock of your pub or wine bar, this product includes a wide range of standard benefits for FREE including:-
- Business interruption & Loss of account receivable
- Loss of money
- Personal assault
- Breakage of glass
- Loss of liquor licence
- Loss of freezer contents
- Seasonal increase for stock at busy periods of 30%
- Outside catering cover for property insured
- Damage to property in the open
- Personal effects of guests up to £2500 per guest
- Loss of metered water
- Damage to landscaped gardens
- Rent/Lease payments following damage
- Damage to external blinds & signs
- Theft of Keys
- Goods in transit
- Employers liability £10,000,000
- Public & products liability £2,000,000
- Legal Expenses cover for £100,000
Apart from the standard cover above, here are some other benefits:-
- Competitive premiums
- Full ‘all risks’ policy including Accidental Damage
- No claims bonus discount available up to 50%
- Theft by employees cover available
- Terrorism cover available
- Buildings cover available
- Subsidence cover available
- Cover for specified business items available anywhere in the U.K & up to 30 consecutive days elsewhere in the world.
- Household contents available for the proposer or resident manager living at the premises