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You are on Business
As a pub, restaurant or cafe owner, your business is your pride and joy. Protect your establishment and the hours you’ve put into it by getting the cover you need. We work with Arthur J. Gallagher Insurance Brokers Limited, part of one of the world’s largest insurance broking groups, to get small business owners the protection their business needs to thrive.
Speak to experienced advisors on 0345 377 0001
As a business owner, you’re legally responsible for the health and safety of those you interact with. For example, if a customer or supplier is injured on your premises, they could sue you for damages. Public liability insurance can protect you against large compensation payouts, as well as the legal fees spent defending such claims.
Every time a pub or eatery closes its doors to customers, it can feel like money down the drain. When unexpected events - like theft or fire - force you to shut down temporarily, it can have a serious impact on your cashflow. Business interruption cover protects against the loss of income during these unforeseen pauses in trading.
Stock plays a central role in retail— and when you’re in the food and drink business, your stock is particularly vulnerable. A broken freezer or flooded pantry can result in an immediate loss of income. Stock deterioration cover helps you replace ruined stock quickly, saving you on an otherwise costly expense.
Get more cover options
There is a wide range of cover available for pubs, restaurants and cafes— and it’s important to us that you get the protection you need. Call and speak with an experienced advisor about all of your options on 0345 377 0001.
Call 0345 377 0001 (Mon-Fri, 9am-5pm) to get advice from an experienced adviser. You'll have the option to buy your insurance over the phone and get instant cover.
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This insurance product is subject to individual terms and conditions and some exclusions apply. Please ask for a copy of the terms and conditions for full details.
Bank of Scotland Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited which sources products from a panel of insurers. Arthur J. Gallagher Insurance Brokers Limited, registered office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. Authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 311786). The Bank of Scotland brand and logo are used under licence.
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
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Bank of Scotland plc Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628.
We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.
The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on the Lloyds Banking Group can be found at lloydsbankinggroup.com.
This site is intended for UK residents unless otherwise stated.
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