Pub insurance
From cosy inns to trendy gastropubs, we make arranging pub insurance simple, even if your insurance needs aren’t
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Insurance covers to consider
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability insurance
Accidents can happen, and your pub may be held liable for injury or property damage caused to a customer or a third party. Public liability insurance provides vital protection, covering legal costs and compensation claims, allowing your business to navigate through difficult situations.
Employers' liability insurance
If you have employees working in your pub, employers’ liability insurance is a legal requirement. It protects your business against claims made by employees who suffer illness or injury due to work-related activities. Employers’ liability cover ensures your pub meets its legal obligations and stays protected.
Business interruption insurance
In the event of an unforeseen disaster, such as a fire or flood, that forces your pub to temporarily close, business interruption insurance can be a lifesaver. It covers the loss of income and ongoing expenses, ensuring that your pub remains financially stable during the downtime.
Property covers
Your pub is more than just a business; it’s a home away from home for your loyal patrons. Business building insurance ensures that your pub’s structure is safeguarded against perils such as fire, flood, storm damage, vandalism, and more. Should the unexpected happen, buildings cover could rebuild and restore your establishment to its former glory.
From the classic furnishings to the state-of-the-art equipment that powers your operations. Our contents insurance covers everything inside your pub, including furniture, fixtures, kitchen appliances, and other essential assets.
Behind every successful pub lies a well-stocked bar, but what if an accident, theft, or damage leaves you with depleted shelves? Stock insurance ensures that your valuable inventory is covered, so you can keep serving without worrying about restocking costs.
Loss of licence cover
In order to sell alcohol, public houses need to have an appropriate alcohol licence. A licence could be revoked or not renewed for a number of reasons outside of your control which is why it is important to protect your pub against such a loss.
Loss of licence insurance can offer protection following the suspension, withdrawal or forfeiture of your alcohol licence due to licensing regulations or refusal to renew by the licensing authority. It could cover you for both loss of profit and other expenses reasonably incurred to maintain your gross profit.
Commercial legal protection
Legal disputes can be costly and disruptive to your pub’s operations. Our commercial legal protection provides access to legal advice and financial support in the event of a legal dispute, so you can protect your interests and focus on running your business.
Product liability insurance
If your pub serves food or other products, product liability insurance is crucial. It protects you in case a product causes harm or illness to a customer, giving you the confidence to serve your offerings with pride.
Money cover
Handling money is an inherent part of running a pub, making it susceptible to theft or loss. Money cover can protect your cash and ensures that your pub’s finances are secure.
Pub insurance FAQs
Do I need pub insurance?
Pubs carry their own unique risks, and require insurance that is tailored to meet their specific requirements. Pub insurance protects your livelihood against unforeseen events giving you peace of mind to focus on running your business.
Pubs carry risks for everyone involved, from staff to customers, and even neighbouring premises. There are many eventualities that could lead to a claim being made against you, so pub and bar insurance should be a priority.
Pubs come in many shapes and sizes, from wine bars to licensed cafés, restaurants or your local social club. Whatever your speciality, ensuring you have adequate protection for all your trading activities is fundamental to running your business.
What covers do pubs need?
At Premierline, we offer flexible pub insurance that can be as simple or comprehensive as you need depending on the size of your pub. When deciding what pub insurance you need to protect your business, you should consider the following:
- Public liability – for injured guests or damage to their property.
- Employers’ liability – to protect your employees.
- Buildings cover – to cover for loss or damage to your building.
- Equipment, contents and stock – to reinstate your items and belongings.
- Business interruption – to keep finances running when disaster strikes.
- Money cover – for theft or attempted theft.
- Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
- Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
How much does pub insurance cost?
The cost of an insurance policy for a pub could depend on a number of factors, including the size of your pub and the location of it, the types of insurance required, the value of the assets you need insured at the venue, and the overall level of risk associated with your pub.
At Premierline, we work with a range of insurers, allowing us to find you the best possible coverage at a competitive price.
Why choose Premierline to arrange pub insurance?
We understand the risks that come alongside running your own pub and finding time to source the correct insurance can take up precious time. That’s why our team of advisors can help make arranging your pub insurance quick and simple. Our experts are able to provide an advised service on the phone and can help find the best insurance for you. When you choose Premierline as your insurance broker, you’ll benefit from:
Trusted Insurers: As a broker, we have access to a wide range of insurers and can compare multiple quotes to find the most competitive rates for your pub insurance.
Tailored Solutions: We work closely with you to understand your specific requirements and tailor insurance packages that provide comprehensive coverage while fitting within your budget.
Exceptional Service: At Premierline, we pride ourselves on delivering outstanding customer service. Our dedicated team is here to support you throughout the insurance policy.
Ongoing Support: As your business evolves, we’ll review your insurance needs and ensure that your coverage remains adequate. We’re committed to building long-term relationships with our customers.
What type of pubs do Premierline work with?
At Premierline, we work with all types of pubs, including traditional pubs, taverns, bars, inns, gastropubs, breweries, and licensed premises. Our expertise lies in tailoring insurance solutions to meet the specific needs of your pub business. Speak to one of our advisors today who are happy to help.
What will I need to know to complete my insurance quotation?
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
How soon will I get my policy documents?
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
How do I pay for my policy?
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
Why choose Premierline?
We're business insurance experts
We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
- Award winning service - We're trusted by thousands of SMEs across the UK
- Comprehensive protection - We can help with all your commercial insurance needs
- UK based experts - Located in Lancaster, our advisors are here to help
Our customer reviews and testimonials
“Insurance the way it should be. Premierline are easy to deal with and the staff are superb and guide you through getting your insurance sorted properly.”
Sports & Social Club
Customer since February 2023
Our independent customer reviews
Speak to a pub insurance expert
Protecting your pub and its future starts with the right insurance coverage. Request a quote today, and let Premierline be your trusted partner in securing the success of your pub business. Contact us now to discuss your insurance needs and receive a competitive quote tailored to your requirements.
Start a quote
Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote
Speak to an expert
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
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