Pub Insurance

The specific cover you need to run a pub will depend on the size and type of your business and the services you offer. We will typically look to cover you on a packaged Public House policy, which would include the following cover as standard:
- Public liability insurance: This insurance covers you for any damage or injury that you cause to third parties while working. This could include customers, clients, members of the public, or even your own employees.
- Employers' liability insurance: This insurance covers you for any claims made by your employees if they are injured while working.
- Buildings insurance: This insurance covers you for the cost of repairing or rebuilding your pub if it is damaged or destroyed by an event such as a fire, flood, or storm.
- Contents insurance: This insurance covers you for the cost of replacing your pub's contents, such as furniture, equipment, and stock, if they are damaged or stolen.
- Business interruption insurance: This insurance covers you for the loss of income if your pub is closed due to an insured event, such as a fire or flood.

Pubs need insurance to protect themselves from financial loss in the event of an accident, injury, or other loss. Insurance can help to cover the cost of repairs, medical expenses, and legal fees.

Yes, you can get pub insurance for a single pub or multiple pubs. The cost of insurance will vary depending on the number of pubs you own and the level of coverage you require at each location.

The cost of pub insurance can depend on a number of factors including:
- The amount of cover required for items such as buildings, contents and stock.
- The annual revenue of the business The number of staff or wage roll of the business.
- The location of the business.
- The services you offer (such as paid guest rooms or dining).
- Any previous claims or history of subsidence or flooding.

Yes, pub insurance typically covers liability for accidents or injuries that occur on the premises. This includes injuries to customers, employees, and even trespassers.

Yes, pub insurance typically covers events or functions held at the pub. However, it is important to disclose all types of events or functions that you might have at your pub so we can make sure that your policy will cover these for you.

Yes, it's likely that any Pub Insurance policy will have some exclusions and limitations to coverage. For example, most policies do not cover damage caused by war, terrorism, or natural disasters. It is also unlikely that a policy will cover door staff, functions or events automatically and these should be disclosed to us prior to inception. We will always make you aware of any significant limitations or exclusions prior to your policy starting.

Yes, you can typically place additional Pubs on to your existing insurance although sometimes it may be best to take out a separate insurance for these. It may also be possible to transfer your pub insurance policy to a new owner or landlord should you sell the pub, however, you will need to check with your insurance company to make sure that they are willing to do this in good time.

Absolutely, you can typically get coverage for stock or inventory stored at the pub. This can include wet stock, dry stock and even refrigerated or frozen stock. It's important to make sure that you keep an accurate inventory so that the sum insured can be set accurately.

Yes, many insurance companies offer discounts for pub insurance based on safety measures, security systems, or responsible alcohol service practices. These discounts can save you money on your insurance premiums.