How much does pub insurance cost?

Pub insurance will vary in cost depending on the type of pub you have and the entertainment/facilities you have e.g. play area, live music etc.

I have rooms for accommodation, do I need guesthouse insurance?

There is cover for up to four rooms on most pub policies. Over this it is advisable to obtain guesthouse/hotel insurance.

Can I hold BBQs in the beer garden?

Yes, activities related to your day-to-day business held on your premises are covered.

Do I need employers' liability as I don’t employ the staff, I have a self-employed manager who does?

Even if you don’t employee the staff directly, you should have an element of employers’ liability as a contingency, especially if your manager is following your instructions.

Can I cover more than one pub on this policy?

We will look at individual circumstances to understand if one policy or multiple policies are appropriate for your circumstances.

I don’t own the premises but have adapted the inside, is this covered?

Yes, we understand that many pubs will be tenanted and allow an element of cover for this.

Can I change to a food pub from a drink pub?

Absolutely, but ensure you tell your adviser your plans so they can ensure you have the right levels of cover.

Pub Insurance & Public House Insurance Quotes

Name: Pub Insurance
Brand: Alan Boswell Group
Rating: 4.9 (1420 reviews)

Pub Insurance

Pub insurance, or public house insurance, typically includes cover for property damage, liability risks, and business interruption, tailored to protect against the specific risks faced by pub owners and operators.

Cover for guest accommodation

Assault and theft cover

Cover for loss of licence

Pub insurance or public house insurance is designed to protect all types of licensed premises such as restaurants, bars, or a late night bar. Public liability insurance is a vital part of the insurance cover.

Running a busy pub means it’s important to have insurance cover that will protect you if someone is injured or their property is damaged because of your business.

The Alan Boswell Group Difference

Gone are the days when a pub was just an establishment for the sale of alcohol. Nowadays pubs can offer accommodation, fine dining, children’s soft play areas, microbreweries and much more besides. Your pub insurance also needs to move with the times and offer tailored insurance that meets your current needs.

At Alan Boswell Group we understand that each pub has unique requirements and it is our job to source the most appropriate cover. With many years’ experience our experts can support you whether you’re running a single site or a large chain of pubs.

How our customers rate us

Picked up my details and had a competitive quote back to me the same morning. Can't fault the service at all.

Karen - Pubs & Restaurant Insurance

4.9/5 1420 reviews

Pub insurance in detail

Pub insurance will generally include a variety of standard commercial insurance products and additional covers dependent on your type of business. Standard covers include:

Public liability

This is an essential cover for pubs, covering you for injury to the public or damage to their property e.g. slips, trips, and falls (not alcohol induced).

Loss of income

For certain claims (e.g. flood) you would be able to claim for loss of earnings.

Business contents

Cover for contents for business purposes e.g. kitchenware, tables, chairs etc.

Stock

Different to contents, this is cover for your stock for sale e.g. beer, wine, spirits, tobacco etc.

Goods in transit

Cover for business goods whilst in transit e.g. collecting stock from wholesalers.

Loss of license

Depreciation in the value of your business following loss of the alcohol sales licence.

Money and assault

Cover for theft and personal assault cover.

Declaring all details – What may seem like a small detail to you could be a significant insurance factor. Events and facilities such as live entertainment or children’s playgrounds could make some insurers nervous, and not declaring them could lead to a claim being declined.
Ownership and management – If you own a pub but sublet the management, or you are a self-employed pub manager, your insurance risks will differ quite drastically from an owner who runs and manages their pub. It is important that either as a manager, or owner, you seek independent advice to ensure your risk is covered correctly.

Additional covers available:

Deterioration of stock – Damage to stock kept in a refrigerated environment e.g. freezer breakdown.
Buildings – Damage to your business premises and relevant fixtures and fittings.
Legal expenses – Covers a variety of legal issues including employment and property disputes.
Directors’ & Officers’ – Covers the cost of compensation claims/defence costs for directors.
Theft by employees (fidelity guarantee) – Covers a direct loss of money or property belonging to you resulting from an act of fraud or dishonesty committed by an employee.
Tenants improvements – Covers adaptions to the original building structure e.g. new toilets, extraction systems etc.

By speaking to an insurance expert you can be sure that you get the most appropriate insurance products for your business.