Pub Insurance
Pub Business Insurance
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What is pub insurance?
Pub insurance is an essential coverage for anyone running a licensed premises. It offers combined protection for the building, vital employers’ and public liability cover, and other risks faced when owning a pub. It keeps you compliant with the law and safeguards your finances and your reputation.
Why do pubs need specialist insurance?
Pubs need bar insurance because they face unique risks that aren’t covered by standard business insurance. There are heightened risks due to late-night activities, serving alcohol, and high footfall. Pubs store valuable stock and sometimes a significant amount of cash. These factors make it a high-risk venture which needs appropriate insurance coverage.
What does pub insurance cover?
The protection you get from this insurance depends on the level of coverage you choose. You can tailor your insurance to cover the size and unique risk profile of your pub. This way, you’ll only pay for the cover you need.
Core coverage options
- Licensed premises cover – Buildings and contents cover for venues legally allowed to sell alcohol.
- Employers’ liability insurance – a legal requirement if you employ staff. You’ll be covered for staff injuries or illness as a result of their work.
- Public liability insurance – protects you if a customer, supplier, or member of the public is injured or if their property is damaged while on your property.
Additional coverage options
- Business interruption
- Product liability
- Loss of licence
- Money cover
- Stock cover
- Glass and signage cover
- Legal expenses
Risks typically not covered
- War, nuclear, and terrorism risks
- Cyber and other electronic hacking risks
- Claims arising from pandemics or communicable diseases
- Wear and tear or poor maintenance
- Illegal activities
- Natural disasters like floods and earthquakes
- Unoccupied pub
How much does pub insurance cost?
It’s difficult to give an accurate pub insurance average cost. That’s because every pub is different in size, facilities, and risk profile. Your premium will depend on several key factors unique to your business.
Location
Pubs in low-crime or minimal flood-risk areas will typically pay less.
Pub size
The building’s rebuild costs and contents value are considered.
Pub security
Adding reliable security features to your pub can lower your risk profile, potentially lowering your premiums.
Number of employees
Legally, you must have employee liability cover. More staff can mean a higher premium.
Opening hours and activities
Pubs that stay open until late or host live bands or other events typically pay more. Serving food can also increase your risk.
Level of cover
To save costs, you could opt for the minimum liability coverage that is legally required. However, your risks will be significantly higher. Comprehensive coverage may cost a bit more, but it might be worth the investment in the long run.
Claims history
If you don’t make claims in a policy year, you’ll typically be rewarded with a discounted premium.
How can I find cheap pub insurance?
Insuring a business can be a significant expense. However, there are a number of ways that you could potentially reduce your premiums.
Compare multiple quotes
It’s important to compare multiple insurance pub quotes. Using a platform like ours, you might find a deal that suits your needs and your budget best.
Only pay for what you need
Avoid unnecessary add-ons or high coverage limits if you don’t need them. Review and update your policy regularly.
Bundle policies
Insurers may offer discounts for taking out multiple types of business insurance. Bundling them together may cost you less.
Increase security measures
This includes alarms, cameras, and locks. Make sure you fit industry-approved equipment.
Implement risk management strategies
Good documented employee training and regular risk assessments can help reduce your risk.
Maintain a claims-free history
When you claim, your premiums increase. Avoid unnecessary claims to keep costs down.
Pub and Bar Insurance FAQs
Do pub businesses need liability insurance?
What happens if I don’t have pub insurance?
Can I get insurance for an unoccupied pub?
What’s the difference between pub and restaurant insurance?
Is thatched pub insurance available?
Can I tailor my pub insurance policy?
How can I make a claim on my pub insurance?
Page last reviewed on 20th July 2025
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