Restaurant, hotel, or public house insurance offers a package of protection that allows you to cover multiple risks on one policy.  Cover through Fortify can be tailored to your needs, ensuring you have the elements you need without paying for those you don’t.  A standard policy includes:

• Public liability– if your business is responsible for causing injury or illness to a member of the public and they decide to take legal action against you, you’ll be glad you have public liability insurance in place.  It will help with the costs of mounting a defence and paying any compensation awards.  It will also protect you against claims for damage or destruction of property while on your premises.
  
  
• Employers’ liability – this is a legal requirement if you employ people.  It provides cover in the event of your employee injuring themselves or if their property is damaged while at work.  The law says that if you employ at least one person, you must have employers’ liability insurance(sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill from working for you.  Your policy must:
  
  

• • Cover you for at least £5 million
  • Be with an authorised insurer
  • And employers must provide a safe working environment
    
    

• Business interruption cover– if something catastrophic happened to your pub, club, restaurant, hotel or wine bar – such as a fire or flood – and your premises were forced to close temporarily, could you manage?  With no money coming in and bills needing paying, would you be able to keep going financially?  Business interruption cover provides you with an income while your business is out of action
  
  

• Loss of licence – should you lose your licence to sell alcohol, this policy element will reimburse you for loss of revenue and product value, as long as the loss wasn’t due to misconduct
  
  

• Stock– it’s likely that your business will have a quantity of perishable food stock and an expensive collection of beers, wines, and spirits.  Whether it’s frozen meat, fresh veg, or cocktail ingredients, losing your stock means losing money.  Ensuring your stock is covered means that in the event of a fire, flood, or power cut leaving, you’ll have one less thing to worry about
  
  
• Business contents– if a fire, flood, or other disaster hits your business, the costs of repairing or replacing bar, kitchen equipment, and front-of-house facilities will be high.  If you have business contents cover in place, then you’ll be able to claim in the event of an accidental disaster
  
  

• Product liability– food poisoning and other adverse reactions to the food or drink you serve can result in compensation claims and payouts.  If you include product liability insurance in your policy, you’ll be protected financially
  
  

• Commercial buildings insurance– if you own the building in which your business operates, you’d be wise to take out commercial buildings insurance to protect your bricks and mortar.  Buildings insurance covers you from the cost of repairing or rebuilding your premises should it be damaged or destroyed by risks such as flood, fire, or explosion