The New Leader Of The Opposition Party/
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No best answer has yet been selected by jpastalker. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.Sorry, but insurance is going to depend on your area, number of employees, turnover, whether you are a freehold / tennancy / leasehold and 1000 other things. Without a full picture, no one can give you a sensible response.
Personally speaking, i would open up the yellow pages and ring a few brokers and get quotes from them.
Is it possible to talk to the previous licensee and ask him/her or have you or your accountant examined the books prior to taking over the business which may give an indication in the profit and loss account? Failing that are there any other pubs in the area who's landlords you know and would give you a sensible answer and maybe even point you at a company they use? How about the local licensed victuallers association - do they have any schemes with insurance companies for their members?
Failing any of those I'd go with the previous suggestions of lots of quotes - who have you dealt with in the past for home, life, motor etc, do they underwrite commercial risks? And talk to the accountant as well!