Pub Insurance

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.

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.

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* _{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.}