Pub Insurance

Pub Insurance

Running a pub comes with its own unique challenges and finding time to arrange your pub insurance can often be one of those challenges.

The importance of having the right policy to protect you, the business, your staff and members of the public is crucial and will ensure you have the support you need and minimise any interruption to your business following a loss.  As every business owner knows, accidents can happen, and often when least expected.

That’s why over 20 years ago we developed a pub insurance policy tailored to the specific needs of the industry and have continuously developed this for today’s climate.

We have a dedicated team on hand to assist you, making it simple to arrange your business insurance and to offer any guidance you may need.  You can contact us on 0800 731 2940.

Pub Insurance – 100% Proof – Product Overview

Trade Contents
Trade Contents cover under your pub insurance will include your business contents (fixtures, fittings, decorations, glass etc) and stock against a wide range of perils, including Accidental Damage, Storm Damage, Fire and Full Theft (unforced entry/distraction).

Business Interruption
If your premises are damaged from an insured event you may find you are temporarily unable to trade;   business interruption insurance can cover any loss of income during this period whilst repairs are carried out and you are back up and running.

Employers Liability
Where you employ any staff it is a legal requirement to have Employers Liability insurance in place as part of your pub insurance.  This will provide you with legal protection against any claims or compensation an employee may be entitled to following an injury at work.

Public Liability
Public liability insurance is essential to protect your business against claims from members of the public in the event you are found to be negligent following an accident at your premises.   Pub insurance protects you in the instance of slips, trips and accidents, and even an accusation of such an incident may lead to substantial costs being incurred to protect you.

Legal Expenses and Legal Advice Helpline
This cover will assist with defence costs following, for example, Employment Disputes including Compensation awards, Tax or VAT disputes.

The 24-hour legal advice helpline is available to all pub insurance policyholders and can provide advice on legal matters relating to your business helping to ensure you meet your legal requirements in an ever-changing environment.

24-hour Claims Service
When disaster strikes it is important you have someone on hand to help.   All pub insurance policy holders will be provided with a 24-hour claims line number and help is on hand 24 hours a day, 365 days a year.

Useful information from our blog when arranging your pub insurance

The importance of preparing against underinsurance

Why is Employers Liability Insurance useful for both employers and employees?

What insurance considerations are there for pub owners?

How can Business Interruption insurance compensate you for loss of income?

Below is a brief summary of the cover provided as standard, for full details please refer to the Policy Summary:

  • “All Risks” cover for contents and stock (including full theft and accidental damage)
  • Glass – Replacement value
  • Refrigerated stock
  • Public Liability up to £5,000,000
  • Employers Liability up to £10,000,000
  • Compensation for court attendance
  • Business Interruption – Loss of income – 24 month indemnity period
  • Accidental failure of public utilities
  • Denial of access
  • Comprehensive money cover
  • Replacement of locks following theft of keys
  • Generous seasonal stock and money increases
  • Loss of licence
  • Legal expenses – including employment disputes and compensation awards as well as tax and vat enquiries
  • 24-hour legal advice help line
  • 24-hour claims line, 365 days a year
  • Monthly instalments available
  • 14 day money back guarantee if you are not completely satisfied


  • Buildings Insurance
  • Property Owners Legal Liability
  • Personal Accident
  • Domestic Contents
Call our teamContact us on free call 0800 731 2940 to speak to a member of our experienced quote team.