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Bars, Pubs and Restaurants Insurance

Whether you run a country pub, inner city wine bar, high street cafe or fine dinning establishment Flint has the right insurance for you. We understand the needs of food and drink based businesses because we’ve been handling insurance for this dynamic sector over many years.

It doesn’t matter whether you’re a family owned business or a national chain our commercial team are confident of recommending everything you need to properly protect your assets. We understand price is important and always approach a range of insurance providers to secure the best possible rates.

Features

  • Public Liability – covering your liabilities to others
  • Employers’ Liability – covering your liabilities to your staff
  • Material Damage – cover for your property and/or stock and equipment, including fixtures and fittings and glass
  • Stock deterioration – loss of stock due to freezer failure
  • Business Interruption – loss of income when you are unable to trade
  • Money – covered whilst on your premises or in transit
  • Loss of licence – covering loss of profit or reduction in value of premises.
  • Protection for outside areas – against theft of furniture, outdoor heaters etc.

‘Bars and restaurants’ represents a huge range of different business set-ups, e.g. some establishments include entertainment, which has it’s own set of insurance requirements. Similarly, some premises are owner occupied, or maybe you live above your business – all of these situations require different cover to make sure you’re properly protected. Call our commercial team for their help and advice.

Fewer claims means reduced premiums

Good risk and claims management is essential for all business owners. Risk Management is the term we use for minimising (or mitigating) the risks to your business. It’s ultimate aim is to both reduce the number of claims that you have and when loss really is unavoidable, the severity of those claims.

At Flint Insurance, we are experts in advising our clients on how to avoid claims and when they do occur ensuring that the financial and non- financial impacts to the business are kept to an absolute minimum.

We do this by understanding your business in minute detail, reviewing past performance and historical claims to spot obvious trends. Ultimately, we make specific recommendations to set up your individual and robust insurance programme. This comes with a clear explanation of your insurance contract so that you understand exactly what is and what is not covered.

If we can stop claims happening at source, we can help to reduce your insurance premiums by making your risk as attractive as possible to the widest number of insurers.

Our Claims and Risk Management Services Include:

  • Insurance Risk Assessments
  • Risk Surveys
  • Claims Reviews
  • Property Valuations
  • Business Interruption Computation
  • Business Continuity and Disaster Recover Planning
  • Asset Registers, Stock and Plant Valuations

When Accidents Happen

In the unfortunate event that you experience a loss, having the correct cover in place from the outset enables our claims executives to negotiate the best possible settlement for you; our understanding of your business helps us to better support you throughout the claims process. We are always the advocate of our clients.

Claims management from Flint gives you the peace of mind that your business is supported by commercial claims experts who have the knowledge and experience gained from dealing with minimal losses to large catastrophes. We work hard to ensure that any loss has as little impact on your business as possible.

Need to claim?

Speak to our claims team

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Why choose us?

Flint Insurance is an independent insurance broker who works with a panel of quality insurers to provide the best possible insurance policies for our clients. There’s no huge call centre – with Flint you deal with the person who is handling your risk. We only take your details to get you fantastic rates from quality insurers.

Whether you’re a sole trader or large corporation Flint seeks to understand your business and make recommendations for cover. Experts in our field, we work with trusted insurers to compare the market for great cover at the best rate.


Request a callback

Within our office hours, we endeavour to contact you within 15 minutes of your requested time.

Contact us

Call us on 0800 021 4501 and one of our team will be more than happy to help.

Make a claim