• Overview
• Standard Cover
• Optional Extras
• Exclusions & Limitations

Being a landlord, or landlady, can be a big responsibility, that’s why we work hard to ensure that our customers have the right cover in place to protect their business should you need to make a claim.

As the first direct business insurance provider in the UK, we have been providing pubs in the UK with business insurance for over 10 years and have worked hard to ensure our customers have the right insurance in place. Hear from Mrs Dyer, Landlady of The Bell, on why she has been with Premierline Direct for 10 years.

What’s more, as part of the global Allianz Group, we provide the peace of mind that comes from being insured by one of the UK’s largest insurers, and getting a quote is simple and hassle-free.

Here are just some of the covers that are included as standard within our Pub Insurance:

Liability cover - Public, Products and Employers Liability

As a publican you will be very aware of the legal liabilities relating to your staff and customers. What if a customer or member of staff were to slip and fall in the pub? These covers provide the insurance protection you need should your business have to pay compensation for accidental injury, loss or damage as a result of your business activities. (Standard Public Liability cover £2m, Product Liability cover £2m, Employers Liability £10m)

Fully flexible contents cover - amount specified by you

Most pubs and bars carry a significant amount of stock, and this undoubtedly needs protecting. Because you understand your business best, we don’t make any assumptions about the amount of cover you need but allow you to calculate a value to ensure all your stock, equipment and furnishings are protected..

Business interruption cover - up to £500,000 over 12 months

If your pub was impacted by flood, fire or theft could you trade? Our business interruption cover would protect your income until you were able to get your business back on its feet...

Loss of licence - up to £100,000

If your liquor licence was revoked due to circumstances beyond your control, for example following a change in planning policy or legislation, this cover would protect your gross profit and the value of your premises should you choose to sell.

Cover for outside catering

Many pubs cater for parties away from the premises, so our outside catering cover protects against your liabilities and covers your equipment whilst off site.

We understand that although pubs have similar needs, each business may have specific insurance requirements.  That’s why we have optional covers so that you can tailor your policy to suit your individual business. Of course, this also means that you don’t pay for cover that you don’t need.

Our optional covers include:

Buildings - amount as specified by you

If you own your business premises, you can simplify things and keep your insurance in one place by adding buildings cover to your contents insurance. Cover is tailored to provide the cost of rebuilding and there is also an option to add cover for subsidence.

Commercial legal protection

We understand that legal costs and expenses arising from employment disputes or property disputes can quickly escalate and could jeopardise your business if you were not properly covered. Our policy provides up to £100,000 cover against any one claim and up to £1,000,000 compensation awarded following an employment dispute.

Cover for specified items – UK cover including 30 days automatic worldwide cover

You tell us what you need to insure and we will provide cover to ensure this is protected both within and away from your business premises. Whether this is a laptop computer or other mobile device, we’ll make sure you are protected so you can focus on the job in hand.

View the full details of our standard cover and optional extras