- Quotes from pub insurance specialists
- Cover options for licensed premises and hospitality risks
- Options available for pubs, bars and hospitality venues
- Compare pub insurance with one quick form
Pub Insurance
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Why Choose QuoteSearcher for Pub Insurance?
Running a pub involves far more than keeping the doors open and the tills ringing. From managing staff and stock to complying with licensing rules and safety obligations, the risks you face are very specific to licensed premises. For this reason, many pub owners choose to speak with brokers experienced in arranging insurance for licensed premises.
By completing a short form on our site, you’re put in touch with brokers who regularly arrange insurance for pubs, bars, and similar premises. They’ll gather information about how your venue operates and outline the cover options available that reflect your setup.
This approach keeps the process efficient, reduces unnecessary back-and-forth, and allows you to consider the options available following discussions with brokers.
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Understanding Pub Insurance
Accidents are rarely planned, but in busy hospitality environments they are an unavoidable risk. Alcohol service, high footfall, late opening hours, and staff working under pressure all increase the likelihood of incidents occurring.
As the licence holder, you are responsible for the safety of both customers and employees while they are on your premises. A customer injury, a staff accident, or damage to property can all result in claims that may have financial implications depending on the cover in place.
Pub insurance is designed to bring together different forms of cover under one policy, which may help manage risks associated with operating licensed premises.
Depending on the insurer, pub insurance can typically be arranged for a wide range of licensed venues, including pubs, bars, inns, sports bars, nightclubs, and taverns.
Types of Licensed Premises
Insurers usually assess pubs and bars based on how the venue operates. These are commonly grouped into three categories:
Standard venues
Alcohol-led premises with limited food service, no regular entertainment, and standard opening hours (typically 11am–11:30pm). This category often includes traditional pubs, gastro pubs, and wine bars.
Non-standard venues
Premises where food and alcohol are equally important, and where entertainment such as live music, DJs, karaoke, or dancing may be offered. These venues often trade later, sometimes until 1am, and may include late pubs, bars, and function venues.
Bespoke venues
Larger or higher-risk venues such as nightclubs or members’ clubs. These typically operate late into the night, charge entry fees, employ door staff, and offer regular entertainment with dancefloors.
The category your venue falls into can influence the availability and cost of cover, depending on the insurer.
Additional Cover Options to Consider
Depending on your circumstances, brokers may discuss optional cover options such as:
- Home contents cover, if you live on or above the premises
- Loss of income cover, if your pub is forced to close temporarily
- Business contents cover for stock, furniture, and glassware
- Legal expenses cover for claims made against the business
Not every option will be suitable for every pub, and availability will depend on the insurer and policy terms.
Common Pub Insurance Policy Features
While cover varies by provider, pub insurance policies may include the following elements:
Employers’ Liability Insurance
Required by law if you employ staff. This cover could manage claims relating to illness or injury sustained by employees while working. Find out more about it here.
Public Liability Insurance
Cover for claims from members of the public who are injured or become ill while on your premises. You can learn about it here.
Stock Insurance
Cover for food, drink, and other stock that becomes damaged or spoiled, which may help reduce financial loss.
Money on Premises
Provides protection for cash held on site, which can still be significant despite the rise in card payments.
Loss of Licence Cover
If your alcohol licence is suspended or revoked for reasons beyond your control, this cover may provide financial support during that period, subject to policy terms.
