Pub Insurance

We have a team of insurance experts who can offer help and specialist knowledge on the insurance cover pubs and wine bars typically need.

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Specialist Business Insurance for Pubs in One Simple Solution

The pub trade varies greatly, ranging from family-friendly establishments in the countryside to inner city bars. But whatever sort of pub you run, one thing is certain: pubs carry a number of risks for you, your staff, customers, and your neighbours. So for the protection of all those that visit or work in your pub, and for the benefit of your reputation, having adequate business insurance is essential.

By arranging your cover with SME Insurance Services, you will benefit from a flexible solution that can be adapted to fit your specific situation and needs. So whether you have a tenancy, leasehold or freehold arrangement, we can put together a solution especially for you.

You Could Save Over 10% With Us*

Mon-Fri: 9am - 6pm

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

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

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 48 policyholders (5%) who obtained cover through us between April 2016 and July 2016. 81% made a financial saving by moving to SMEi, with an average saving of 15.2%. 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.

You Could Save Over 10% 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: 9am - 6pm

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Related FAQs See all FAQs

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.


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.


Your quotation is valid for 30 days.

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