Micro Pubs, isn’t that just a small pub? Why would it need different Insurance?
Micro Pubs are different to a Pub and as they’re different, why wouldn’t they have different types of cover? A tailored Insurance solution to cater to micro pub’s characteristics and as specialists in this type of Insurance, we dive in to explain what the differences are and the key features.
What is a Micro Pub?
A micropub is a small, independent public house (pub) typically known for its cozy, intimate atmosphere. It’s a modern take on traditional pubs, with a focus on local beers, ciders, minimalistic offering of food and smaller in size.
How to spot a Micro Pub (key characteristics)?
- Size: Micropubs are usually small, often only accommodating a handful of people, fostering a more personal and social experience.
- Independence: Many micropubs are independently owned and emphasize local and craft beverages.
- Community Focus: Many micropubs serve as hubs for the local community, a welcoming environment for neighbours to gather with no tv or music (or very little) to encourage conversation between friends and other people who may be there.
What’s the difference between Pub and Micro Pub Insurance?
Micro Pubs have their own set of risks compared to a Pub and there are two reasons why Pubs and Micro Pubs have been separated when it comes to Insurance.
- A standard Pub Insurance won’t cover everything that is required for a Micro Pub and vice versa, there could be areas of cover that may not be relevant to a Micro Pub
- As Mirco Pubs are smaller and often lower risks which means lower premiums – Micro Pub Owners shouldn’t have to pay the same rates as mainstream large pubs.
Not every insurer offers Micro Pub Insurance however, this is where an Insurance Broker like ourselves is key. At KIN Insurance, we specialise in Micro Pub Insurance with our Insurance product: Micro Pub Insure.
Why are KIN Insurance Specialists in Micro Pub Insurance?
The idea came about after Liam & Neil Kerkhove, Directors and Father and Son, was analysing the pub Insurance section over the years and concluded that: “Micropubs are completely different risk to mainstream pubs in their entirety, so why are Micropub owners having to pay the same rates?”
So following this, they developed a bespoke Insurance product solely aimed to benefit Micropubs. Not only is the Insurance policy designed for Micro Pubs and their needs but delivers lower premiums compared to pub Insurance.
As a Broker but also with a wealth of knowledge on Micro Pubs, we have established an excellent relationship with the insurer who underwrites our Micropub Insurance product, fully understanding the policy terms and conditions and the full claims process.
We will be with you every step of the way from taking out the policy to assisting with you if you need to make a claim and if necessary, stand with you if you should have a dispute. All included in your annual premium.
Key Features of Micro Pub Insurance:
- Loss of liquor licence
- Business Interruption
- Money, Goods-in-Transit
- Glass & Fixed Sign
- Public & Products Liability and Employers’ Liability are all included as standard
- Stock and liability cover for beer festivals anywhere in the UK, as standard.
- Buildings, Contents and Stock cover and increased cover above the standard policy is available
- Low policy excess of £100
Can KIN Insurance help with the usual pub Insurance?
If you haven’t got a micro pub but have a pub, don’t worry as we are still able to help you with your pub Insurance. We still have a depth of knowledge in Pub Insurance and as a Broker, we have access to a large panel of insurers.
KIN Conclusion
As unique as Micro Pubs are, we believe their Insurance policies should be the same with a policy designed to protect them. We know that every Micro Pub isn’t the same so at KIN Insurance, we take the time to listen and understand your Business and arrange an Insurance that covers everything you need.
If you would like to speak to our team about your micropub Insurance or for a review of your current policy, call us on 01903 238889 or complete our contact form and we’ll be in touch as soon as possible.
