Running a pub in the UK often involves managing more than just the day-to-day trade. From public safety and staff protection to the safeguarding of equipment, stock, and fixtures, having appropriate pub insurance can be crucial. While core policies such as public liability are widely known, there are additional cover options that may offer valuable protection for risks specific to the pub trade.
This guide explores seven key pub insurance extras, including Employers’ Liability Insurance, Glass Cover, and Fire Protection, which pub owners may wish to consider to help strengthen their business protection.
1. Employers’ Liability Insurance for Pub Staff
Employers’ Liability Insurance is typically a legal requirement for pubs that employ staff, whether full-time, part-time, or temporary. This cover can help protect the business if an employee makes a claim for illness or injury connected to their work.
Pubs often rely on a mix of permanent staff, casual workers, and seasonal employees, so it is important to confirm whether all types of workers are covered under the policy. Many regulatory authorities and licensing bodies also expect proof of this insurance when assessing the pub’s compliance.
2. Glass Cover for Pub Windows and Doors
Large glass panels, bar displays, and decorative features are common in pubs, but these can be vulnerable to accidental damage or vandalism. Glass Cover can offer financial protection for the replacement of external windows, internal glass, and mirrors.
Businesses may wish to review:
- Whether cover includes signage and fixed glass fittings
- Whether accidental breakage and malicious damage are included
- If replacement costs account for custom-made or specialist glass
This type of cover could help pubs manage the cost of unexpected repairs without significant disruption to trading.
3. Fire Cover for Pub Premises
Pubs typically operate kitchens and heating systems, both of which can increase fire risk. Fire Cover can help protect the building, contents, equipment, and stock against damage caused by fire.
Key considerations may include:
- Whether the policy accounts for fire brigade charges
- The adequacy of fire protection for kitchens using fryers or open flames
- Whether fire damage to external areas is included
Fire Cover is often part of a broader property insurance package, but it is important to check the extent of cover and any specific requirements for fire safety equipment.
4. Contents and Fixtures Cover
Pub interiors usually include fitted bars, seating, lighting, and sound systems. Contents and Fixtures Cover can help protect these assets if they are damaged, stolen, or destroyed by insured events such as fire, flood, or theft.
Businesses may benefit from confirming:
- Cover limits for all fixtures and fittings
- Whether electronic equipment, such as tills and music systems, is included
- Whether accidental damage is part of the policy or requires additional protection
Protecting the internal environment can help pubs recover more efficiently from disruptive incidents.
5. Stock Cover for Alcohol and Food Supplies
Pubs often carry high-value stock, including alcohol and perishable food items. Stock Cover can help cover the cost of replacing goods lost due to theft, damage, or equipment failure.
Pub owners may wish to assess:
- Whether the policy includes refrigerated and frozen stock
- Cover for seasonal stock increases during peak trading periods
- Security requirements for protecting high-value alcohol and tobacco products
Stock losses can have a substantial financial impact, making it important to ensure cover levels are accurate and regularly reviewed.
6. Equipment Breakdown Cover
Key equipment such as beer pumps, cellar cooling systems, and commercial dishwashers can be critical to maintaining pub operations. Equipment Breakdown Cover can offer protection if these items fail unexpectedly.
Points to review include:
- Whether hired or leased equipment is included in the policy
- Cover for both mechanical and electrical failures
- Whether policy limits reflect the replacement value of specialist equipment
Rapid repairs or replacements can help reduce downtime and protect revenue.
7. Business Interruption Cover for Temporary Closure
If a pub is forced to close due to an insured event such as fire, flood, or significant equipment failure, Business Interruption Cover can provide financial support for lost income during the closure period.
Important aspects to consider include:
- The length of the indemnity period
- Cover for additional trading expenses, such as temporary relocation
- Whether supply chain interruptions are included
Choosing the right indemnity period may help ensure adequate financial support until the pub can reopen fully.
Key Insights for Pub Owners
In addition to core insurance policies, pub insurance extras such as Employers’ Liability, Glass Cover, and Fire Protection can offer valuable protection against the diverse risks pubs may face. Considering these additional cover options and regularly reviewing the policy details can help ensure that insurance remains aligned with the specific needs of each pub.
Working with brokers can assist in comparing pub insurance packages, understanding policy exclusions, and arranging tailored cover that reflects the unique operations of the venue.