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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 30%*

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Premiums from as little as:



In the past 12 months our customers have paid as little as £461 per annum for pub insurance insurance. That’s just £9 per week!

50% of our pub insurance customers paid less than £1055 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 296 policies sold in 2023. 62 customers paid £1120 or less, which represents 21%. £22 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.

Frequently asked questions

Pubs now provide more than just food and drink facilities. You may host parties, wedding receptions, or have guestrooms available for short stays. Whatever your requirements, talk to one of our insurance specialists and we will be able to arrange an appropriate policy for your business. In general, you should consider business interruption cover to protect you against unexpected loss of income. If you own your building, buildings insurance will provide cover for the rebuilding cost of your premises should an incident occur that is covered under your policy.

Accidents can happen in bars, for example a customer may slip on a wet floor or cut themselves on broken glass. Public liability insurance protects you if a member of the public is injured or their property is damaged on your premises. This is a crucial type of cover that we include as standard. Unsurprisingly, bars can be seen as an attractive target for thieves. Contents insurance covers items in your bar from stock, glasses and crockery, through to fixtures and fittings. You'll be protected against events such as theft, malicious damage, explosion, and water damage.

The cost of your insurance policy entirely depends on your needs. Our flexible policies can be tailored to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers - each with different features and prices. We will find you several possibilities to ensure you have all the information you need before deciding on the best option for you.

You need two types of licence to run a pub: a premises licence and a personal licence. But you need to meet certain criteria first. Read our full article: "How do I get a pub licence" to find out more.

Some types of insurance may be a legal requirement. Others may not be compulsory, however not having the right insurance for your business could be a false economy. For example, if you don't have the necessary protection in place and an incident occurs, you could be liable to pay costs or compensation. It makes sense to match your insurance protection to your requirements to help provide you with peace of mind that you are fully covered.

Pub freeholders are responsible for ensuring their policies are appropriate and up-to-date, while leaseholders may only be responsible for the contents. This is all detail that needs to be known when discussing your requirements with a broker.

Quotes from well-known and specialist insurers, including:

You Could Save Over 30%*