pub insurance

Pub Insurance

Flexible Insurance for Pubs.

As a landlord you know just how many risks and challenges your pub faces on a daily basis. There’s so much to consider from the safety of your staff and customers to maintaining your stock and suppliers. Arranging the right pub liability insurance against these risks can often cause a headache and therefore fall to the bottom of your list.

Smei is passionate about championing the UK pub industry and businesses like The Bow-Legged Beagle in New Brighton, Wirral (pictured above). That’s why we make sure your business is protected against risks so you can concentrate on running your pub.

Because we’re a broker, we have access to flexible pub insurance policies from a selection of UK insurers. This means that you can pick and choose which types of cover you need to protect your business. As a result you can create an all-encompassing public house insurance policy that provides protection for the risks that you face.

Whether you run a family-friendly country pub or a lively city bar, we can arrange a bespoke pub insurance policy to suit you.

You Could Save Over 20%*

Contact our team to receive a no obligation, instant quote today.

91% of our customers would recommend our service

Cover Available For Pubs**

  • Accidental damage.

  • Book debts/account receivable.

  • Buildings cover.

  • Business interruption.

  • Contents insurance.

  • Embedded breakdown.

  • Employers liability.

  • Glass.

  • Goods in transit.

  • Legal expenses.

  • Loss of rent receivable.

  • Money in safe.

  • Money on premises.

  • Public and products liability.

  • Subsidence.

  • Tenants improvements.

  • Terrorism.

Premiums from as little as

£914 .17
In the past 12 months our customers have paid as little as £914.17 per annum for pub insurance.

50% of our pub customers paid less than £1815.43 per annum.***

Categories of Business Insurance for Pubs: Pub Liability Insurance

Business insurance is a legal requirement for all pub owners, but your pub insurance cover requirements will vary depending on your business model.

All pubs require public liability cover in the event that somebody is injured or property is damaged as a result of your negligence, both of which carry an increased risk when people are under the influence of alcohol. If you have any employees, it’s your responsibility to have employer cover in case they’re injured or fall ill as a result of working for you.

Pub stock is valuable and an attractive target for criminals, so you need protection from theft, as well as accidental damage from say fires and storms. In addition, you may need cover in the event of business interruption, in case you lost your liquor licence or your pub was flooded. It’s also a good idea to have cover for your pub’s contents, including all fixtures and fittings.

If you own your own pub, you also require buildings cover, though if you have a leasehold or tenancy arrangement this depends on the nature of your contract.

* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
*** Data compared from 354 policies sold in 2022. 73 customers paid as little as £914.17

91% of our customers would recommend our service

I’ve being using smei for almost 6 years now & the team always give a friendly professional service, good knowledgeable advice & are always most helpful. I have spoken to the same team members several times & I think that is really nice, they know what I need as a business & are always extremely happy to assist. I would definitely recommend smei to other businesses for their insurance needs.


Quotes from well-known and specialist insurers, including:

Insurers smei work with

You Could Save Over 20%*