Terry Osborne Insurance Services Limited has provided specialist Public House Insurance to the trade for many years.
We know that running a pub can be challenging without the added worry of wondering if you have chosen the right insurer and correct cover. Terry Osborne Insurance Services Limited, with decades of experience, can guide you through the quotation stage whether you have a micro-pub, nightclub or a traditional public house serving food, we can ensure you have the correct policy for your needs.
Call 01622 745297
Whatever type of public house you own or manage our insurance policies are designed specifically for the hospitality trade. Public houses have diversified over recent years offering live music, DJ’s and outside catering events – Insurers in turn have become more cautious. Our knowledge of the public house trade is invaluable as we will know which insurer will suit your business, provide you with the best terms and ultimately the best cover.
Our promise is to work hard as your broker so that you can concentrate on running your business.
There is no such thing a ‘standard’ public house or business. At Terry Osborne Insurance Services Limited we also accommodate the following:-
- Marquee Venues
- Outside Catering
- Late Licenses
- Caravan Clubs
- Beer Festivals
It is very important that all your requirements are disclosed to your insurer, if any aspect is overlooked it may cause you problems in the event of a claim. Many insurers look for increased premiums for anything out of the ordinary and it can be easy to choose not to disclose information to keep your premiums lower. At Terry Osborne Insurance Services Limited we can source this extra cover, keep your premiums to a minimum and ensure that you are covered for all your business needs.
We are also able to accommodate public houses with special importance
- Listed Premises
- Non Standard Construction
- Thatched Public Houses
It is important to mention any non-standard elements of your premises, whether this be a converted barn, letting rooms, separate function buildings or indeed thatched elements of the premises as any non-disclosure could invalidate a claim.
As public house insurance specialists we aim to offer help and advice. Starting off in the pub trade can be a daunting experience with many new tenants not knowing what cover they require.
We are here to assist you every step of the way.
Peace of mind that you have insured all the elements of your pub business correctly is important. So whether you own a single pub, a pub chain or you are a tenant of a licensed premises, trust Terry Osborne Insurance Service Limited, public house insurance specialists to accommodate all your needs.
Premiums from as little as
In the past 12 months our customers have paid as little as £575*** per annum for public house insurance.
56%**** of our pub customers paid less than £850 per annum in the past 12 months.
Example public house insurance policy cover
Buildings Cover (This should represent the re-building cost of the premises and any additional cost to be considered in the event of a total loss, it is especially important to bear this in mind with listed buildings as you may incur unusual planning requirements or longer re-building time scales)
Tenants Improvements – Min of £5,000
Fixtures and Fittings
Domestic Contents – Personal Possessions not included
General Stock – (beer, alcopops, soft drinks and dry stock)
Wines and Spirits
Money Cover – Subject to Safe Details
Electronic Business Equipment
Business Interruption – Based on Turnover and Building Listing
Goods in Transit
Loss of Licence
Public Liability Insurance – £2,000,000 (can be increased to £5,000,000 if required by the local authority for outside seating)
Employers Liability Insurance – £10,000,000 (Set Sum Insured)
Legal Expenses – Optional