Free fact finder · Australia
Pubs, bars and clubs insurance fact finder
Every question the licensed venue forms ask, from liquor licence history and security to gaming and kitchen fires, asked once in plain English. Built from Pen's licensed premises and licensed club forms, One Underwriting's hotels package and Arch's and Axis's hospitality liability forms.
- No login needed
- Fillable PDF with your logo
- 164 questions
- Written for AU rules
What it asks
The questions underwriters ask, in plain English.
Each one comes with a line saying why it's asked, so your client answers fully the first time.
- 1Has the business or anyone running it ever had a liquor licence breach notice, demerit points, a suspension or cancellation, or special conditions imposed?Licence breaches tell insurers how well the venue is run.
- 2Do you use security staff or crowd controllers?Most assault claims against venues involve security staff, so insurers ask how they are engaged.
- 3Do you meet the security company regularly to review their conduct and improve procedures?Insurers look for venues that manage their crowd controllers, not just hire them.
- 4Do you run or host sport for patrons or members, such as bowls, golf, darts or team sports?Sport brings its own injuries. Some policies exclude it unless agreed.
- 5Do you give advice or instruction for a fee, such as golf coaching or fitness classes?Paid instruction can need professional indemnity as well as public liability.
- 6Are there bollards in front of every entrance a vehicle could be driven into?Ram raids target bottle shops, ATMs and gaming rooms.
The venue
Entity, people, turnover by state for stamp duty, trading hours and the owners' experience.
Alcohol and security
Liquor licence breaches, responsible service, crowd controllers and how the security company is managed.
Gaming, sport and entertainment
Poker machines, dance floors, sport for members and paid coaching or fitness classes.
Kitchen, fire and the building
Fryer cut-offs, duct cleaning, fire protection, neighbours and ram-raid bollards.
Claims and cover
Past claims, current insurer, what to insure and the limit a lease or permit sets.
How it works
- 1
Open it and try it
Answer it on the page as your client would. Follow-up questions appear as you go. Nothing is saved.
No login
- 2
Send it, or download the PDF
Send your client a link to answer by form or chat, with reminders sent for you. Or download a fillable PDF with your logo.
PDF free, no email
- 3
Fill the insurers' forms
When your client answers, one click starts each insurer's form with their answers in, and drafts a needs summary for you to finish.
Free 14-day trial
Minimum cover
What sets the limit
We know of no law that sets a minimum public liability limit for licensed venues in Australia. A liquor licence does not set one.
- Leases
- Hotel and venue leases usually set the limit and ask for the owner to be named on the policy.
- Councils
- Outdoor dining permits and venues on council land often require a set limit.
- Contracts
- Function bookings, sporting bodies and entertainment contracts may set their own limit.
A summary, not advice. Check every lease, permit and contract before setting a limit.
Free tool or a free trial
The fact finder is free. A trial does the forms.
Free, no login
Everything you need to use it.
- The whole fact finder, answered as your client would
- How much of each insurer's form it fills
- Fillable PDF with your firm's logo
With a 14-day free trial
Your client answers once. No card needed.
- Send it as a link: answered by form or chat, with reminders
- Upload a PDF your client filled in and the answers are read in
- Start each insurer's form with your client's answers in
- A first draft of the client's needs summary
- Next year, your client only confirms what changed
Before you ask
Questions about the pubs, bars and clubs fact finder.
- Is the pubs, bars and clubs fact finder really free?
- Yes. Answer it on the page as your client would, then download it as a fillable PDF with your logo. There's no login and no email. Sending it to a client as a link comes with a free 14-day trial.
- Which insurers' forms does it fill?
- Pen's licensed premises and licensed club proposals and renewal declarations, Pen's hospitality property proposal, One Underwriting's hotels package and the hospitality liability forms from Arch, Axis and One Underwriting. It also fills the general public liability, property, cyber and management liability forms. The page shows how much of each one it fills.
- Does a liquor licence set a minimum limit?
- No. We know of no law that sets one for licensed venues. The lease, a council outdoor dining permit or a function or entertainment contract usually does, so the fact finder asks your client which ones apply.
- Does it cover licensed clubs as well as pubs?
- Yes. It fills Pen's licensed club proposal and renewal declaration as well as its licensed premises forms. It also asks about sport for members, such as bowls or golf, plus any paid coaching.
Ask once. Fill every form.
Open the fact finder, try it as your client and download the fillable PDF. No login needed.
Open the fact finder