Pub Insurance
Specialised public house insurance to help protect your licensed premises from a variety of risks.
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Why choose Pub Protect?
Pub Protect have over 25 years experience in
Pub Protect has years of experience in providing insurance solutions to the licensed trade, Pub Protect is dedicated to helping you take care of your insurance business needs by offering you a range of schemes whether you run a Tenanted, Leased or Free House pub.
Free House
If you’ve invested your hard earned money to buy a building as opposed to leasing it, you’ll want to protect it from damage, including fire, flood and subsidence, just like you do your home. Buildings cover ensures your investment isn’t lost should the worst happen.
Tenanted/Lessee Occupancy
If you run a tenanted pub you can protect your investment in terms of the improvements you have made, such as new bar areas, new kitchens, bathrooms and others refits. Pub contents, fixtures and fittings and stock can be included against perils such as fire, flood and theft. The other key area of cover is liability exposures such as employer’s liability and public liability for injury to customers or members of the public.
We understand you may not have a need to insure the buildings but are interested in covering the essential things to maintain your business. Our policies can be adapted to meet your requirements and cover the items that safeguard your insurable contents or stock.
We believe in transparency and will help you through the quote process explaining what is covered and what isn’t. Once your policy is live with us, we will continue to offer excellent service, guiding your through your insurance product and assisting you with any query that may arise.
Things to Consider:
- What contents cover limit is required?
- How much stock is in the property at any one time?
- Is money cover required? If so how much is in the property or in transit?
- How much Public Liability is needed? (£2m, £5m or £10m)
By dealing with us we can provide cover for:
| Fire, Lightning, Storm, Earthquake | Public & Employers Liability | Pub Contents Cover |
| Fixture & Fittings | Tobacco & Cigarettes | Stock |
| Wines, Beers & Spirits | Accidental Damage Cover | Goods In Transit |
| Frozen Foods | Money | Money In Transit |
| Money In Bank Night Safe | Money In Safe Out of Hours | Money In Gaming Machines (Trading Hours) |
| Business Interruption Cover | Loss of Liquor Licence | Work Away Cover |
| 15% Seasonal Increases | Car Park Liability | Glass & Signage Cover |
| All Risks | Subsidence | Income Protection |
| Income Protection | A&H Product | A&H Product |
| Legal Expenses | EPOC | Fidelity Guarantee |
| Managers/Lesee’s Personal Effects | Contract Works For Developments | Cyber Cover |
| B&B Cover | Contamination Cover | Buildings |
Key features of the policy
Public Liability
£2 Million Public Liability is included as standard, it’s that simple.
Secure Portal
Your documents are safely stored in our online portal for you to access anytime.
Business Interruption
Business Income is included and covers your pub against loss of income.
Customer Service
Our experienced staff are ready to answer any queries you have.
The additional extras that are within in your policy
We include business interruption and can offer commercial legal expenses cover on all pub insurance policies so you don’t have to worry.
Frequently Asked Questions
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Why do I need pub insurance?
Certain types of insurance are required by law however not having insurance for your business can impact you dramatically. In the event of an incident, you will be liable to pay all costs and compensation for your business and any third party involved. Risks may include personal accident, business interruption, loss of stock, theft and much more.
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What sort of cover do I need for a pub?
Accidents can happen in pubs whether it’s slipping from a wet surface or broken glass. Public liability helps in the event a member of the public suffers injury or damages property due to the result of the risk. Public liability is included as standard in all our policies.
Employers liability insurance is required by law if you have any employees (excluding family and spouse). The cover protects your business if one of your employees is injured or seriously ill while working for you.
Contents insurance covers stock and equipment to fixtures and fittings. You’ll be covered against incidents involving theft, malicious damage, explosion or water damage.
One of the most important protections for a pub is against loss of licence. Without an alcohol licence you wouldn’t be able to operate your pub as normal. This is included as standard to give you peace of mind.
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What is business interruption cover?
Business interruption insurance (also known as business income insurance) is a type of insurance that covers your business in the event of a disaster. This covers the loss of income which may be due to an incident which results in the closing of the business or due to the rebuilding process after a disaster.
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Can I cover my stock?
Yes, it is important to cover any stock that your business holds, should the stock become damaged, stolen or unsafe then the insurance will cover the replacement or repair of the stock to ensure you can continue trading.
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Do I need buildings cover?
Buildings cover can be added as a part of this policy which allows you to cover the premises of your business which you own. In the case of a disaster, your building will be repaired or re-built to the value of the sums insured you require.
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Becoming a new landlord, tenant or lessee
This can be both an exciting and nervous period for you. There are many things you will need to consider and do before opening your doors for the first time.
Choosing the right Pub business for you is essential. Whether it is a traditional drinking pub or a food led business in a city centre, town or rural location you must know the community and be ready to embrace the clientele at every level.
When obtaining an insurance quote you must make sure you find out what the exact sums insured need to be. Obviously, costs do fluctuate and most breweries will give an indicative idea of the sums but you must not be under-insured as this may cause issues in the future, especially if or when you may need to make a claim. We are more than happy to offer advice if required.
View policy documents
If you are looking to make an informed decision or look further into the cover provided with our insurance policy then view the Policy Wording & Policy Summary of our preferred insurance provider which highlights the benefits of cover provided.
Please Note: Policy documents are subject to change and the insurance cover may differ, please ensure you have the latest version of our documents so you know exactly what cover is provided. If you are unsure whether you have the latest documents, please contact our UK office on 0330 3353839.
