Insurance

How can pubs place insurance claims for storm damage?

22-Feb-2022 By Rebecca Weller

The Morning Advertiser (MA) looks into how best to lodge insurance claims following damage to property caused by extreme weather.

£750m insurance scheme for events revealed by Government

09-Aug-2021 By Nikkie Thatcher

The Government and Lloyds have teamed up to provide , which will see the Government act as a ‘reinsurer’.

Stonegate files £845m lawsuit against insurers

19-Jul-2021 By Georgi Gyton

Stonegate Group has filed a £845m lawsuit against its insurers: MS Amlin, Liberty Mutual Insurance Europe and Zurich, in the latest sector dispute over business interruption policies.

Nightclubs win £5.2m Covid insurance payout

15-Jul-2021 By Emily Hawkins

Nightclubs have received a £5.2m payout in business interruption insurance claims after a successful settlement.

City operator dubs insurer 'morally reprehensible' after no pay-out

13-Apr-2021 By Emily Hawkins

A multiple site operator has been “left with no choice” but to press legal action against an insurer after it claimed its insurer backtracked on a pledge to pay out.

Insurance ruling led to 'more confusion' among operators

11-Feb-2021 By Emily Hawkins

Many operators have been left disappointed after initially believing they were eligible for an insurance payout following a landmark court ruling.

Explained: how to claim business interruption insurance

22-Jan-2021 By Nikkie Thatcher

While the Supreme Court ruled most business interruption insurance policyholders will have cover for losses due to coronavirus restrictions, which was hailed as a “massive boost”, it doesn’t necessarily mean everyone who had this insurance can be compensated.

Opinion

Insurance ruling prompts ‘rise of PPI type companies' offering claims review

19-Jan-2021 By Steven Swift, Sector Associates

Hospitality insurance specialist Steven Swift of Sector Associates gives his verdict on the Supreme Court’s recent business interruption ruling.

‘Landmark’ business interruption insurance ruling welcomed by hospitality sector

18-Jan-2021 By Stuart Stone

The British Beer & Pub Association (BBPA), UKHospitality (UKH) and the Night Time Industries Association (NTIA) all reacted positively to the Supreme Court’s decision on business interruption cover.

Supreme Court backs policyholders in ‘massive boost’ to lockdown-hit businesses

15-Jan-2021 By Stuart Stone

The Supreme Court has today (15 January) ruled that the ‘vast majority’ of business interruption insurance policyholders will have cover for losses incurred due to national Covid-19 measures.

Supreme Court business interruption insurance ruling due on 15 January

13-Jan-2021 By Stuart Stone

The Supreme Court has revealed its ruling on whether insurers should pay out on business interruption claims relating to March’s coronavirus lockdown will be handed down this Friday (15 January).

Opinion

‘Tied tenants are not yet fully accessing insurance price match rights’

21-Dec-2020 By Fiona Dickie - pubs code adjudicator

The pubs code is not just about market rent only. I want to highlight code rights relating to insurance which apply each time the pub company signs a new tenant or buys and charges a tied tenant for insurance for the pub.

Business interruption test case reaches Supreme Court

17-Nov-2020 By Nikkie Thatcher

The landmark business interruption test case pitting the Financial Conduct Authority (FCA) against insurers is currently being heard at the Supreme Court, but it could be weeks before a decision is made.

Insurers' appeal 'another nail in the coffin' for trade'

05-Oct-2020 By Emily Hawkins

Insurers’ decision to appeal a legal judgement on business interruption insurance payouts has been dubbed another ‘nail in the coffin’ for struggling pubs.

Analysis

High Court ruling on business interruption insurance offers hospitality operators ‘huge lifeline’

15-Sep-2020 By Stuart Stone

The High Court has backed insurance policyholders in the Financial Conduct Authority’s (FCA)’s business interruption insurance test case, offering a 'huge lifeline' for embattled pub, bar and restaurant operators.

Opinion

Regulators v insurers: the verdict

15-Sep-2020 By Philip Kolvin QC, Cornerstone Barristers

Sometimes white smoke appears from a chimney and the result is clear. Sometimes, smoke rises from the battlefield, casualties are counted and it takes a century or two to work out who won and lost.

#Opinion

The real ‘wide area effect’

26-May-2020 By Tim Murphy, director of Luddite Brewing Company

We’re the Luddite Brewing Company, our brewpub has been closed due to coronavirus and there seems to be a problem with our business interruption insurance.

Pubs should push harder on insurance, expert urges

20-May-2020 By Catrin Povey

Pubs facing challenges in claiming on their business interruption insurance policies should not give up and simply accept their insurer’s initial denial, writes Catrin Povey who leads Capital Law’s insurance practice.

Comment

Does your insurance cover you for coronavirus?

30-Mar-2020 By Philip Kolvin QC

With many insurance companies claiming the protection operators took out is unlikely to be valid for a business interruption such as coronavirus, Cornerstone Barristers’ Philip Kolvin looks at whether you are covered or not.

#UnitedWeStand

Most pubs not covered for coronavirus

18-Mar-2020 By Alice Leader

The Association of British Insurers (ABI) has announced that most businesses would not have purchased cover that will protect their loss of trade from coronavirus, even if Boris Johnson forcibly closes doors.

Coronavirus

Ei Group warns pubs coronavirus not covered by insurance policies

16-Mar-2020 By Alice Leader

Pubco Ei Group has warned its publicans that if their business is affected by Covid-19, their existing insurance policies will not cover them for “loss of trade”.

Coronavirus

Does your insurance cover you for coronavirus?

09-Mar-2020 By Alice Leader

Operators are being warned to check their insurance policies as, despite the Government making coronavirus a notifiable disease, many insurers may not have Covid-19 on their list as it is a new strain of the virus.

Pub devastated by fire finds a way to stay festive

13-Dec-2017 By Georgina Townshend

A determined Devon landlord, whose thatched pub was destroyed by a catastrophic fire in February, will ensure his customers are served this Christmas.

Professional services

Never mind the paperwork, here's the way to get back to running the pub

25-Aug-2016 By Fiona McLelland

As a pub owner, you want to get on with what you do best... running your pub. You don’t want to worry about paperwork and licensing laws, or struggling to keep on top of the books. We take a look at how professional service providers can help take the...

Publican calls on trade for help after devastating fire ravages his pub

14-Sep-2015 By Emily Sutherland

A Dorset publican has appealed for the trade’s help after a fire ravaged his pub, potentially leaving his family homeless.

5 steps to making an insurance claim as a pub owner

23-Jun-2014 By Business Insure

Pub owners and operators should always ensure they have correctly covered themselves with insurance, lest they be caught unawares by one of life’s many random misfortunes, and left seriously out of pocket. In this article, insurance provider Business...

Flood-affected pubs still battling for damage relief

20-Mar-2014 By Noli Dinkovski

Pubs hit by the winter storms have reported mixed fortunes in their attempts to recover money for lost earnings and property damage.

Pubs hit by flooding must act to minimise disruption

24-Feb-2014 By Sandra Jones

It is perhaps not surprising, due to the attraction of picturesque waterfront locations, that pubs have been particularly affected by the recent flooding.  Publicans are therefore potentially facing significant losses and disruption as a result of the...

Legal Q&A: Insurance for pubs

19-Feb-2014

For any pub or licensed trade premises, insurance is essential. Some forms of insurance are compulsory for licensees and others are optional, though all help in providing financial protection against a wealth of situations. Here are some answers to a...

New flood insurance scheme would lead to permanent pub closures, say property agents

05-Feb-2014 By Ellie Bothwell

Property agents have warned that there could be permanent pub closures if a new Government-backed scheme - which would see thousands of pubs excluded from access to affordable flood insurance - is rubber-stamped.

Floods could result in pub business failures

11-Dec-2013 By Ellie Bothwell

Pubs damaged by last week’s tidal surge are likely to face business failure due to the impact on Christmas trade, and insurance brokers may soon stop providing flood cover.

Legal Q&A: Accidents inside your pub

22-Aug-2013 By Weightmans

Where do you stand if a customer injures themselves in your pub? In the latest in a series of articles on insurance and legal issues, law firm Weightmans provides the answers.

Wanted: pubs for classic car rallies

25-Jul-2013 By Rob Willock

A classic car insurance company is looking for pubs with large car parks or adjacent fields to host rallies for enthusiasts.

Punch Taverns lessee voices concern over “split insurance policies”

01-May-2013 By Helen Gilbert

A Punch Taverns lessee has voiced concern over “split insurance policies” after being left more than £25,000 out of pocket following a sewage tank leak.

Licensee slams Punch Taverns' insurance matching promise as "dishonest"

06-Dec-2012 By Adam Pescod

A multiple operator has slammed Punch Taverns’ ‘price-matching’ promise on building insurance as “dishonest”.

FSB urges Government to improve business insurance cover in high-risk flood areas

30-Nov-2012 By Adam Pescod

The Federation of Small Businesses (FSB) has raised concerns that many businesses in high-risk flood areas cannot get adequate insurance cover and will have to pay out themselves to repair damage.

Publicans warned over liability insurance

10-Oct-2011

Licensees have been reminded about the legal requirement to purchase employers’ liability insurance, following a recent court case.

Riots: website and telephone line launched

17-Aug-2011 By Michelle Perrett

The Government has set up a website and telephone line for businesses seeking compensation for riot damage. Businesses, whose property or premises...

Riots: Uninsured pubs can claim compensation

11-Aug-2011 By Gurjit Degun

Uninsured pubs and bars affected by looting and vandalism in the widespread riots are eligible for compensation from the police. The Riot (Damages)...

Riots: Licensees urged to contact insurers

09-Aug-2011 By Gurjit Degun

Licensees whose pubs have been hit by the riots are being urged to contact their insurance company for advice as soon as possible. That's the advice...

Protection money for pubs

08-Apr-2011 By Michelle Perrett

Adequate insurance is absolutely vital for pubs. Michelle Perrett finds out how to obtain the best cover at a good price and avoid the pitfalls.

Keep a close eye on advertising

05-May-2010 By Peter Coulson

It was interesting to read last week about the Humberside bar whose burger infringed Burger King's trademark, says Peter Coulson.

Punch licensee wins insurance for a year

12-Jan-2010 By Matt Eley Matt

Tora Kaines, licensee of the Bear in Brighton, has won a year's worth of free business insurance from Punch Taverns worth over £2,000. The...

Government to meet insurers over flood damage

24-Nov-2009 By John Harrington

The Government has promised to meet insurance firms to encourage a swift response to claims over flood-damaged properties in Cumbria. It comes as...

Health & safety: Covering all your bases

26-Oct-2009

Reduce risk. This has, for many years, been the mantra for everyone involved in the hospitality industry. And in these uncertain times it should be...

Guild hits out at new BBPA code

19-Oct-2009 By James Wilmore

The Guild of Master Victuallers (GMV) has branded the British Beer & Pub Association's (BBPA) new plans to tackle pubco issues as "nothing more...

Businesses warned to be careful of accidents in bad weather

06-Feb-2009

Businesses need to be careful to prevent accidents on their premises during treacherous weather conditions, a business insurer has warned.According...

Back to Basics: Grease is the word...

28-Oct-2008

While the economic downturn brings with it traditional doom and gloom, the desire to cutback on expenditure in your business might cause you more...

Funding for flood-hit northern pubs

18-Sep-2008 By John Harrington

A Government-backed body has promised funding to help flood-hit pubs in north-east England. A £500,000 flood relief fund is being offered for firms...

Back to Basics: Insurance for pubs

23-Jul-2008

While publicans are tightening their belts and looking for ways to reduce overheads it's important to spend a little time checking that your business...