QUICK ANSWER
Why do pub and bar operations need more detail than the occupation label?
The exposure can change with capacity, opening hours, food service, live entertainment, door supervision, outdoor areas, accommodation, events, cash handling and the age and layout of the premises. The proposal should describe the actual operation and the controls used to manage customers, staff and property.
PROPOSAL INFORMATION
Describe the premises and trading model
- Turnover, opening hours and customer capacity.
- Alcohol, food, takeaway and delivery activity.
- Live music, DJs, functions, events or late-night trading.
- Employees, door staff and contracted security.
- Premises construction, kitchens, cellars and outdoor areas.
- Cash, gaming or other valuable equipment where relevant.
- Previous incidents, claims, fires, thefts or customer injuries.
CONTROLS
Evidence fire, security and customer-management controls
Useful evidence can include fire procedures, extraction maintenance, staff training, incident logs, CCTV and security arrangements, age-verification procedures, cellar and stock controls, slip prevention, contractor checks and continuity planning.
Return to Occupations or see the Commercial Insurance Proposal Guide.
Describe the operation before thinking about the policy
DIBNI acts as an introducer. Any advice, recommendation, placement or policy terms remain matters for the receiving insurance professional and insurer.