Pub insurance FAQs

If you own or operate a pub, or similar-style venue, you can talk to our team about available cover. We can offer options to cover injury to your customers and employees, the replacement of broken equipment, and losing your alcohol licence (for reasons not under your control).  

If you’re looking to protect your pub from loss of stock due to damage or theft, contents cover could help. In an event such as a flood or fire, having contents cover in place for your pub can make it possible for you to replace your stock along with covering any damaged contents. 

If you lose your licence to sell alcohol due to circumstances outside of your control, loss of licence cover can provide you with protection. It can include cover for loss of sales  (less relative purchases) directly attributable to the loss of the liquor licence.  It can also cover the reduction in the value of the licensed premises (subject to certain exclusions). Loss of Licence cover can also be included as an extension to your standard business policy. 

We know that every pub is different, which is why you need an insurance policy that matches your needs. To help save you both time and money, we can present you with a number of options from a range of different insurers, giving you more time to run your business. Get in touch with us today to see how we can help. 

Public liability insurance protects you if a customer or a member of the public claims they have been injured or their property damaged because of your business activities. 

Pubs are responsible for all the products that they stock and sell. If someone is harmed by an unsafe or contaminated product that you have sold them, they could make a claim. This includes where the person has not purchased the product themselves. You could consider product liability insurance if this is a risk you'd like to protect your business against.  

Buildings insurance covers the cost of repairing or rebuilding your premises if it’s damaged or destroyed by an unexpected crisis such as fire, flood or theft damage. If you’d like to ensure that you can get your business premises up and running after an unexpected insurable event, buildings insurance may be something to consider. 

If you  rent your business premises, then buildings insurance might be your landlord’s responsibility – contact your commercial landlord or check your lease to see who’s responsible. 

For more information about available additional policy covers, get in touch with us. 

It’s hard to say without knowing the facts, but we know how important it is to understand your unique requirements. Get in touch with us to discuss your options.