Compare pub insurance quotes

As with most business insurance packages, pub insurance isn’t a standalone product, but a range of policies that are put in place to protect against the specific risks involved in the running of a pub and restaurant. As a bare minimum, you should make sure you take out cover including public liability, employer’s liability, contents and stock insurance.

Although not all are legal requirements, it’s a good idea to consider the following as part of your pub insurance package

Public liability cover If a person is injured or their property damaged due to actions from your business, a public liability policy will cover you for legal expenses. For example, if a person slips on a wet floor or has a hot drink spilt over them, this type of policy will cover your defence fees and in the worst case, any compensation payments.

Employers' liability insurance A legal requirement for most businesses, employer’s liability insurance covers you for any disputes with former, current or even future staff. This includes cover for employees who have been injured in the workplace and plenty more. What’s more, not having this as part of pub and restaurant insurance package could land you a penalty charge of up to £2,500 for every day you’re not insured.

Contents insurance There’s plenty of expensive equipment used in in the service industry, from vacuum cleaners to industrial-sized freezers. To make sure you aren’t left disadvantaged, contents insurance will cover you for breakages, theft or loss.

Stock insurance The stock in your pub is at risk of spoiling or theft. Cover for stock deterioration will insure you for the cost of ruined food where you aren’t at fault – for example, if there’s an electrical failure in the area. What’s more, these policies usually cover any food delivered after the incident which is unable to be stored properly.

Stock insurance will also cover you for theft. With this kind of pub and restaurant insurance, it’s important to let your provider know exactly what stock you work with to ensure you aren’t underinsured.

As there are a number of very specific risks involved in running a pub, you should also consider the following cover as part of your pub insurance package.

Loss of licence insurance Often overlooked and misunderstood, loss of licence insurance can be essential when it comes to pub insurance. Put simply, if you are denied a licence or renewal for reasons beyond your control, you will be covered for some loss of earnings.

For example, if a local council were to revoke your licence because of complaints about noise in the local area that wasn’t your fault, this policy would cover you for some financial losses.

Money cover As pubs deal in a large number of transactions every day – and many of those are paid with cash – it’s incredibly important to get cover for money. This type of cover will ensure you aren’t left out of pocket due to theft from an overnight safe or when delivering cash to the bank. Certain policies will also cover you for an ATM you might have on-site, as well as theft by employees.

Business interruption insurance Most pubs will have cover for damage to their contents, such as by floods, criminal behaviour, fire and more, but these policies often won’t cover you for any loss of income during that time. Business interruption insurance will help, providing you with the means to pay staff and get your business back to a workable standard.

Buildings insurance This type of insurance covers you for damages to the building. If you rent the premises, be sure to find out who’s responsible for keeping the building insured. If it is you, you’ll need to determine how much it would cost for a full rebuild and ensure you have adequate cover.

At Uswitch for Business, we understand how important your business is to you, and how important it is to get the right cover at the right price. No landlord wants to overpay for pub insurance or be left without adequate cover should the worst ever happen and you need to make a claim.

The simplest way to run a pub insurance quote is to tell us what you’re looking for and we’ll compare your pub insurance options for you. We’ll do all the hard work, so you can get back to the day-to-day running of your pub – saving you time and money.

To get started, give us a call on 0800 188 4930 or leave a few details at the top of the page and we’ll call you back.