Pub Insurance Overview

Pub Insurance Overview

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Who Needs Pub Insurance?

Any organization or company that handles or serves alcohol needs specialized liability insurance as a standard commercial general liability policy almost always excludes liability arising from the sales or distribution of alcohol at your establishment. In addition, pubs, restaurants & bars have considerable risk associated with the loss of their physical assets like kitchen equipment, furniture & inventory.

Some organizations that must have or should consider liability and property  insurance include:

  • Bars and/or Pubs
  • Restaurants
  • Night Clubs
  • Private Clubs, Social Clubs or Legions
  • Tavern
  • Reception Halls
  • Micro-Breweries
  • Wineries

What Does Pub Insurance Cover and How Do I know I have The Right Coverage?

Pub insurance is most commonly found as an extension to existing commercial general liability insurance policies. This is important coverage as it covers damages to persons and property caused by patrons when customers consume alcohol at your establishment and/or allege that they were over served at your establishment.  Insurance rates will vary based on the type of business, location, amount of sales and business history.

Real Canadian claims examples to illustrate the need for pub insurance;

  • An intoxicated patron trips and falls down a flight of stairs at your establishment and injures themselves.
  • A patron consumes alcohol at your establishment, and on the way home is involved in an at fault car collision to which alcohol was a contributing factor.

To Learn More About Pub Insurance Speak To An ALIGNED Insurance Advocate Or Connect With Us Today At 

ALIGNED Across Canada   100% Canadian owned, ALIGNED is a premiere insurance brokerage that serves more than 1,400 clients across the country. ALIGNED’s offices in Toronto, Calgary and Vancouver are supported by a national operations centre in Cambridge, Ontario. Uniquely within the industry, ALIGNED creates, negotiates and delivers the best business insurance and risk management strategies/solutions to organizations like yours.

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