We use cookies and similar technologies to enhance your browsing experience, analyse website traffic, and provide personalised content. By clicking "Accept All", you consent to our use of cookies. Learn more in our Privacy Policy
Specialist pub insurance for UK pub owners, tenants, and freeholders. Taurus arranges comprehensive cover for licensed premises including public liability, employers' liability, buildings, contents, stock, and business interruption - structured around the specific risks of running a pub business.
Part of our broader hospitality insurance practice, our pub insurance service is designed for the full range of UK licensed premises, from independent community pubs to large managed houses and gastro pub restaurants.
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
Understanding the specific risks facing UK pub businesses is essential for structuring appropriate cover.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Protects your beer, wine, spirits, food, and other stock against fire, theft, accidental damage, and - for food businesses - spoilage following equipment failure.
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.
Specialist coverage for licensed premises, protecting against claims arising from the service of alcohol - including allegations of over-serving or serving to underage customers.
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.
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.
Broader cover for hotels, restaurants, and leisure venues
For pub owners who hold the freehold of their premises
For investors who own pub properties within a wider portfolio
Where a pub includes residential accommodation above
Group insurance solutions for pub trade associations and buying groups
Stay informed with our latest insights, guides, and expert analysis specifically relevant to the pub insurance sector.
A summary of the information insurers typically need to quote for UK pub insurance, including premises details, business operations, claims history and required sums insured.
Pub insurance is a specialist business insurance package for UK licensed premises. Learn what it covers, what's required by law, and how it protects your pub business.
Pub insurance costs in the UK vary widely based on premises size, turnover, location, and claims history. Understand what drives premiums and how to manage pub insurance costs.
Public liability insurance for pubs protects against customer injury and property damage claims. Understand cover limits, legal requirements, and what pub businesses need.
Most standard pub insurance can be arranged within 24 to 48 hours. Understand the factors that affect how quickly pub cover can be put in place and what to prepare.
Operating a pub without insurance exposes the business to legal fines, uninsured liability claims, and financial ruin. Understand the real risks of running a pub uninsured in the UK.
Get in touch today to see how we could support you in structuring an appropriate pub insurance programme at the right price.
