Pub Insurance

Pubs carry their own unique risks, and require insurance that is tailored to meet their specific requirements. Pub insurance protects your livelihood against unforeseen events giving you peace of mind to focus on running your business.

Pubs carry risks for everyone involved, from staff to customers, and even neighbouring premises. There are many eventualities that could lead to a claim being made against you, so pub and bar insurance should be a priority.

Pubs come in many shapes and sizes, from wine bars to licensed cafés, fancy eateries or your local watering hole. Whatever your speciality, ensuring you have adequate protection for all your trading activities is fundamental to running your business.

Public liability insurance can protect your customers against slips trips or falls, and even food poisoning. You may be the most careful proprietor, but unfortunately accidents do happen. For example, spilled drinks could lead to injury and potentially large claims against you.

Similarly, if you employ bar staff within your business, it’s important to ensure their wellbeing at work and protect yourself against accidents or injury. Employers' liability and public and products liability insurance are typically built into a pub insurance policy to cover these unforeseen events ensuring you have the protection you need.

If you rent or own the premises, then you may also need to protect your contents and buildings against fires, floods, storms and subsidence. All of your equipment will need to be covered, from kitchen equipment to bar stools, beer pumps to playgrounds. Landlords and landladies frequently occupy accommodation within the same premises, or even employ a resident manager. Either way, personal contents should be taken into account as well as the business belongings to ensure you have all the insurance cover you need to protect you.

Your public house insurance policy can include business interruption cover to protect your profit, fixed expenses and staff wages, should you suffer damage at your premises meaning you are unable to trade.

We have many years’ experience arranging public house insurance for pubs, inns and wine bars. As a result, we’ve really got to know the industry and the risks that you face. We're here to assess your business needs and compare quotes to find insurance that is a perfect fit for your pub. Speak to one of our advisors today who are happy to help.