What is Pub Insurance?
Pub insurance is a specialized form of commercial property insurance designed specifically for the needs of pub owners. From bustling city bars to cosy village pubs, this insurance offers protection against a range of risks unique to the hospitality industry.
Insurance for public houses ensure that your establishment, staff, and customers are safeguarded, allowing you to focus on delivering great experiences.
Types of Pubs Needing Pub Insurance
Pub insurance policies cater to a wide range of pubs, ensuring coverage is available regardless of your business model or size. Types of pubs commonly covered include:
- Traditional pubs – Offering drinks and sometimes light snacks
- Gastropubs – Pubs with a focus on food and dining experiences
- Wine bars and cocktail lounges – Venues specializing in high-end drinks
- Brewpubs and microbreweries – Establishments that brew their own beer on-site
- Sports bars – Pubs with entertainment setups, such as TVs for sports events
- Nightclubs and late-night venues – Venues open for extended hours with music or live entertainment
How our process works
We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.
What is Covered by Pub Insurance?
What is Not Covered by Pub Insurance?
Who Needs Public House Insurance?
Pub insurance is essential for anyone running a licensed premises, including:
- Pub owners
- Bar and restaurant owners
- Brewery taproom operators
- Tavern or club managers
How Much Does Pub Insurance Cost?
The cost of pub insurance varies widely based on several factors, such as:
- Location: Pubs in high-crime areas may face higher premiums.
- Size of the Pub: Larger pubs with more customers and higher stock levels may incur higher costs.
- Coverage Options: Adding coverage for specific risks (like flood insurance) can increase premiums.
- Claims History: Pubs with a history of claims may face higher rates.
To get an accurate pub insurance quote, contact insurers who specialize in hospitality and discuss your specific needs.
How Much Does Commercial Property Insurance Cost?
The cost of commercial property insurance varies based on several factors:
- Property Value: Higher valued properties will typically have higher premiums.
- Location: Properties in high-risk areas, such as those prone to flooding or crime, may have higher premiums.
- Business Type: The nature of your business can impact costs, with higher-risk businesses potentially facing higher premiums.
- Coverage Level: The extent of coverage you choose will affect the cost.
- Claims History: A history of claims can increase your insurance costs.
On average, commercial property insurance can range from £200 to £2,000 annually, depending on these factors.
How to Compare Pub Insurance Quotes
When comparing pub insurance quotes, keep these points in mind:
- Coverage Levels: Ensure that each quote includes adequate coverage for public and employer’s liability, contents, stock, and any other necessary protection.
- Exclusions: Carefully review exclusions to avoid surprises when making a claim.
- Excess Amounts: Understand the excess on each policy, as lower premiums often come with higher excess requirements.
- Reputation of the Provider: Look for insurers with strong customer service and experience in the hospitality sector.
- Discounts and Bundles: Some insurers offer discounts when combining multiple types of coverage, which can help reduce premiums.
