At the end of a busy weekend shift, staff count bar takings and prepare them for deposit. The cash is stolen during an armed hold up as closing duties are underway, leaving the venue to manage the immediate loss and the disruption to operations.

Money Cover is a benefit commonly included under Business Pack Insurance. It is designed to cover loss of business money while at the premises, in transit, in a locked safe or strongroom, or in the custody of an authorised person.

While collecting a bulk order of soft drink mixers, garnishes and kitchen supplies from a supplier, goods are damaged in transit on the way back to the venue. Key service items are unusable on arrival and replacements need to be sourced before trade begins.

Goods in Transit cover is a benefit available under some Commercial Property or Business Pack Insurance policies. It may respond to loss or damage to your stock or goods while being transported."

An electrical fault causes a fire behind the bar and damages fittings, stock and part of the service area. The venue cannot trade while repairs, cleaning and safety checks are completed, and bookings and service are disrupted.

Commercial Property Insurance may respond to repair or replacement costs for insured premises, contents and stock damaged by an insured event. Business Interruption Insurance may also respond to income losses and additional costs incurred during the period of closure.

A patron slips on a wet patch near the bar late on a Friday night and injures their wrist. They later allege the venue failed to manage the hazard properly and seek compensation for treatment, recovery time and related loss.

Public Liability Insurance may respond to third party injury claims arising from your business premises and operations.