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Pub Insurance

Flexible insurance policies 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 protection against these risks can often cause a headache and therefore fall to the bottom of your list.

We're 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 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 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 insurance policy to suit you.

Cover Available For Pubs

  • Contents insurance.

  • Accidental damage.

  • Glass.

  • Business interruption.

  • Employers liability.

  • Public and products liability.

  • Book debts/account receivable.

  • Money in safe.

  • Money on premises.

  • Legal expenses.

  • Subsidence.

  • Loss of rent receivable.

  • Tenants improvements.

  • Terrorism.

  • Embedded breakdown.

  • Goods in transit.

  • Buildings cover.

You Could Save Over 15%*

Mon-Fri: 8am - 6pm

Call our team to receive a free, no obligation quote today.

Quote line: 0330 134 4564
Premiums from as little as £343.50

In the past 12 months our customers have paid as little as £343.50*** per annum for pub insurance.

56%**** of our pub customers paid less than £1200 per annum in the past 12 months.

Categories of Business Insurance for Pubs

Business insurance is a legal requirement for all pub owners, but your 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.

Terms and conditions
* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.

** Standard and optional cover may differ dependent upon insurer.

*** Premium stated is the lowest price paid in 2016. Data compared from 1128 policies sold between January 2016 and January 2017.

**** Based on 1128 policies sold between January 2016 and January 2017, 631 pub customers paid less than £1200.

Why Do I Need Pub Insurance?

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. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that should the worst happen, a claim won’t be damaging to your business.

What Insurance Cover Do I Need for a Pub?

Accidents can happen in pubs whether it’s from a wet floor or broken glass. Public liability insurance protects you if a member of the public is injured or their property is damaged on your premises. It’s such an important type of cover that we include it as standard. By law you need employers liability insurance (unless your employees are immediate family or your spouse). This protects your business if an employee becomes injured or seriously ill as a result of working for you. Unfortunately pubs can be seen as an attractive target for thieves. Contents insurance covers items in your pub from stock and equipment to fixtures and fittings. You’ll be protected against events such as theft, malicious damage, explosion, and water damage. Perhaps one of the most crucial policies you will need is protection against loss of licence. Without an alcohol licence you wouldn’t be able to run your pub. This protection covers some of your losses and gives you breathing space to take the necessary steps to reclaim it if needed.

What Optional Cover Is Available?

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.

How Much Does Pub Insurance Cost?

The cost of your insurance policy entirely depends on your needs. Our flexible policies can be adapted to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers – each with differing features and prices. We will find you several possibilities so you can make an informed decision on which option is best for you.

HOW LONG WILL IT BE BEFORE I AM COVERED?

If you are arranging insurance on the phone, you can be covered straight away, subject to a 10% deposit. The remaining payment can be set up within 7 days. Be sure to let us know you want cover to start immediately. However if you don’t want immediate cover, you can specify a start date that suits you.

DO YOU COME OUT TO EVALUATE MY PREMISES AND BUSINESS WHEN PROVIDING A QUOTATION?

No, in most instances no one will come out to your premises. The quotation is based on what you tell us about your premises and business. It is up to you to inform us of anything you think may affect your insurance quote, information provided should be accurate and honest. However, on rare occasions the insurer may choose to visit your premises.

HOW LONG IS A QUOTATION VALID FOR?

Your quotation is valid for 30 days.

WHAT PUB IS FEATURED ON THIS PAGE?

We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. The Bow-Legged Beagle in New Brighton, Wirral is one of our high street heroes. Visit their website here: www.thebowleggedbeagle.co.uk

You Could Save Over 15% With Us*

Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

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

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

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