Traditional community pubs

Gastro pubs and dining pubs

Managed houses and tenanted pubs

Freehouse operators

Pub restaurants and pub kitchens

Sports bars and entertainment venues

Rural and village pubs

Pubs with letting rooms or accommodation

Patron Liability

Slip and fall accidents, glass injuries, and customer altercations are among the most frequent liability exposures for pub businesses. Public liability insurance is important cover for any pub with customer-facing operations.

Alcohol Licensing

Over-serving alcohol, serving underage customers, or breaching licence conditions can result in claims, fines, and loss of licence - all of which benefit from specialist cover and risk management.

Fire and Kitchen Risk

Pubs with catering operations face elevated fire risk from extraction systems, deep fat fryers, and gas equipment. Buildings and business interruption cover should reflect the complexity of these risks.

Business Interruption

A forced closure - whether following a fire, flood, or equipment failure - can have severe financial consequences. Business interruption cover is a generally advisable element of any pub insurance programme.

Employers' Liability

Most pubs employ bar staff, kitchen teams, and cleaners, making employers' liability insurance a statutory requirement under UK law. Cover should extend to seasonal and part-time workers.

Stock and Cash

Pub businesses hold significant levels of stock and cash on site, both of which are vulnerable to theft, accidental damage, or spoilage. Adequate contents and stock cover is generally advisable.

Public Liability Insurance

Important protection against claims from customers who suffer injury or property damage on your premises or as a result of your business activities. Standard limits typically start at £2 million and extend to £5 million or above for larger venues.

Employers' Liability Insurance

A statutory requirement for any pub employing staff. Protects your business against compensation claims from employees who are injured or become ill in connection with their work. The statutory minimum is £5 million, though most policies provide £10 million as standard.

Buildings Insurance

Covers the cost of repairing or reinstating your pub building following damage from fire, flood, escape of water, storm, or malicious damage. Typically important for freeholders and often required by lease agreements for tenants.

Contents, Fixtures and Fittings

Covers bar equipment, furniture, fixtures, fittings, and trade contents against damage or theft. For tenanted pubs, this typically includes the tenant's own improvements and installed equipment.

Stock Cover

Protects your beer, wine, spirits, food, and other stock against fire, theft, accidental damage, and - for food businesses - spoilage following equipment failure.

Business Interruption Insurance

Covers loss of gross profit or revenue when your pub is forced to close or reduce trading following an insured event. An indemnity period of 12 to 24 months is common, covering the time needed to repair premises and rebuild trade.

Liquor Liability Insurance

Specialist coverage for licensed premises, protecting against claims arising from the service of alcohol - including allegations of over-serving or serving to underage customers.

Loss of Licence

Provides financial protection if your premises licence is revoked or suspended by the licensing authority, covering loss of income and associated costs during the affected period.

Legal Expenses

Cover for employment disputes, licensing hearings, contract disputes, and regulatory investigations - protecting pub businesses from the cost of legal action that can arise from everyday operations.