Pub Insurance

Running a pub comes with a unique set of challenges. From managing staff and serving customers to handling alcohol and staying compliant with strict licensing laws, there's a lot to consider. That's why comprehensive pub insurance is essential to protect your livelihood, assets, and reputation.

We offer specialist pub insurance packages designed for landlords, leaseholders, tenants, and freeholders. Whether you operate a small rural inn, a high-street gastropub, or a chain of venues, our flexible policies are tailored to suit your needs.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Your Pub Insurance?

Specialist brokers in licensed premises insurance
Access to 20+ leading UK insurers
Tailored quotes based on your business needs
Support with claims and ongoing advice
Fast, hassle-free quoting process
Flexible payment terms for businesses
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What Is Pub Insurance?

Pub insurance is a type of business insurance specifically designed for public houses, bars, and licensed premises. It can provide financial protection against a wide range of risks, including property damage, injury claims, equipment breakdown, and business interruption.

Why Is Pub Insurance Important?

Operating a pub exposes your business to numerous risks every day. From alcohol-related incidents and property damage to fire, theft, or food hygiene issues, a single uninsured event could result in significant financial loss. With a tailored pub insurance policy, you could get peace of mind knowing you’re protected against unexpected setbacks.

Common Risks Faced by Pubs

Understanding the risks helps highlight why tailored cover is so important. Common risks include:

  • Slips, trips and falls on wet floors or uneven surfaces
  • Alcohol-related incidents (including customer altercations)
  • Fire or flood damage to premises
  • Theft or vandalism (particularly after hours)
  • Spoiled stock from refrigeration failure
  • Illness caused by poor food hygiene
  • Loss of earnings due to temporary closure

A bespoke insurance policy helps minimise the financial impact of these events

 

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What Does Pub Insurance Typically Cover?

Each policy can be customised, but most pub insurance policies include the following core cover options:

1. Public Liability Insurance

Protects you if a customer or member of the public is injured or their property is damaged on your premises. This is vital for any licensed premises serving alcohol.

2. Employers’ Liability Insurance

Often a legal requirement if you employ staff. Covers injury or illness claims made by employees due to work-related incidents.

3. Buildings Insurance

Covers the physical structure of your pub against damage from fire, flood, storms, vandalism, and other risks.

4. Contents and Stock Insurance

Protects your furniture, fittings, electronic equipment, and alcohol stock from theft, damage, or loss.

5. Business Interruption Insurance

Covers loss of income if you’re unable to trade due to an insured event, such as fire or flood.

6. Money Cover

Covers theft or loss of cash on-site, in transit, or at an employee’s home.

7. Loss of Licence Cover

Provides compensation if your alcohol licence is revoked through no fault of your own, helping to safeguard your business continuity.

FAQs

If you run a pub in the UK, you are legally required to have Employers’ Liability Insurance if you employ staff. While not legally required, Public Liability Insurance and Buildings Insurance are considered essential to protect against risks such as customer injury, fire, and property damage.

Yes, we offer multi-location pub insurance policies that can simplify administration and reduce cost.

Yes, specialist pub insurance can include cover for alcohol-related incidents, such as customer injury or property damage linked to alcohol consumption. However, insurers may place conditions on these claims, especially if negligence (like serving an intoxicated individual) is involved. 

Public Liability Insurance for pubs covers compensation claims if a customer, supplier, or visitor is injured or suffers property damage on your premises. This includes slips and falls, cuts from broken glass, or accidents linked to poorly maintained areas. Legal fees and compensation payouts are typically included, protecting your pub from financial loss and legal risk.

The cost of pub insurance in the UK varies depending on factors such as:

  • Size and location of the pub
  • Annual turnover and alcohol sales
  • Staff numbers and entertainment activities
  • Claims history and cover levels

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Helpful Articles & Updates

From liability cover to loss of licence, this section provides insurance help and business advice for pub and bar owners.