Pub
Insurance

What is Pub Insurance?

Pub Insurance provides essential protection for landlords, covering risks such as public liability, employer’s liability, stock damage, and business interruption. Whether you run a traditional pub, gastropub, or bar, having the right insurance means you won’t face financial hardship if a claim is made against you.

From independent landlords to pub chains, having the right insurance in place ensures compliance with licensing requirements and keeps your business protected.

Who Needs Pub Insurance?

Any licensed premises serving alcohol should have the right cover in place, including:

• Pubs & Bars – Protection against customer injuries, accidental damage, and business disruptions.
• Gastropubs & Restaurants – Covers food safety claims, kitchen fires, and stock damage.
• Live Music & Entertainment Venues – Ensures cover for event-related risks, including customer incidents and property damage.
• Sports & Social Clubs – Protection for staff, customers, and club premises.
• Hotel & B&B Pubs – Comprehensive cover for public liability, accommodation risks, and employer’s liability.

Why is Pub Insurance Important?

Pubs face unique risks, from slips and falls to accidental damage and alcohol-related incidents. Without the right insurance, legal costs and compensation claims could significantly impact your business.

Common risks pub insurance covers include:

• Slips, Trips & Falls – Covers claims if a customer or employee is injured on your premises.
• Stock & Equipment Damage – Protection for beer, spirits, food stock, and expensive bar equipment.
• Business Interruption – Compensation for lost income due to fire, flood, or forced closure.
• Legal Costs – Covers defence and settlement fees if a claim is made against you.

What’s Covered in Pub Insurance?

Pub Insurance policies typically include:

• Public Liability Cover – Protection if a customer is injured or their property is damaged at your pub.
• Employer’s Liability Insurance – Covers compensation claims if a staff member is injured at work.
• Stock & Contents Cover – Protection for your stock, furniture, and equipment.
• Business Interruption Insurance – Covers loss of income if your pub is forced to close due to an insured event.
• Loss of Licence – Compensation if your alcohol licence is revoked due to circumstances beyond your control.

What’s Not Covered?

• Deliberate damage or criminal activity by the business owner.
• Normal wear and tear to the premises.
• Loss of licence due to misconduct.

Additional Cover You May Need

Depending on your pub’s needs, you may need additional protection such as:

• Building Insurance – Protect your pub premises from fire, flood, and damage.
• Employers’ Liability Insurance – Legal requirement if you employ staff.
• Business Interruption Insurance – Cover for lost revenue due to forced closure.
• Contents & Stock Insurance – Protection for bar equipment, furniture, and drinks stock.

At Insurably, we have access to 100s of insurer markets, meaning that no matter how unique your pub’s requirements are, we know where to find the right cover for you.

Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring you get the coverage you need.