Check Out Your Pub Insurance Agent
Insurance is a must for any type of business. If you are a bar owner or a pub owner, then it is imperative that you buy pub insurance. Get in touch with a professional insurance agent who deals with this form of insurance. It is important to bear in mind that negligence on the part of your insurance agent can land you in problems and you may also not be able to receive your due claim.
Once you have decided that you need this insurance, the next step is to get in touch with the insurance agent who is well informed and who also has the knowledge about this specialised form of insurance. With the increasing demand for insurance, many insurance companies are cropping up and they will be more than happy to extend their services to you. Many times, insurance agents tend to take their customers for granted and forget everything about customer service once the customer has purchased the policy. This is not the correct approach.
Your agent should be able to advise you on the best policy that meets your requirements - and budget as well. Some of the important tips that every individual needs to know prior to purchasing the policy are price, cover, terms and conditions, under insurance and insurer.
The price is the most important factor when it comes to pub insurance. Check out the total annual premium that you are required to pay to the insurance company. You also need to be fully aware of the broker's fees. Other important things are instalment schemes and options. Many times, companies offer good discounts if you make the payment of the annual premium in one go.
Check out the amount of insurance cover. It should be in line with your requirements and neither too high nor too low. Check out the standard covers. Many times, individuals are charged extra for the extra cover when you may not actually require it; hence make this absolutely clear to the broker.
Make sure you cover the materials and the building for the right amount. You should neither under-insure nor over-insure your property, as it could lead to problems at a later date. Check out the terms and conditions of the pub insurance policy with your insurance agent. Important things like special warranties or endorsements need clarification. It is advised that you get your doubts assuaged regarding the same with your consultant. It is the duty of the agent to explain these things in detail and the repercussions associated with a failure to comply with the terms and conditions.
Last but not the least, you insurance provider should be authorised and should be regulated by the financial services authority. All these things are quite simple and it is the duty of your broker to provide explanation of these things in detail, however many a times, these things are ignored.
A specialised pub broker should be able to get the best deals.
by: Lawrence White
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