Pub insurance is specifically designed for licensed premises. It covers alcohol-related incidents, premises license protection, customer violence, food safety claims, and the unique risks of serving alcohol that standard business insurance excludes.

Yes, our pub insurance includes comprehensive coverage for alcohol-related incidents including customer violence, drink-driving claims, over-serving liability, and premises license investigations.

Our public liability coverage protects against customer violence and fights including injury claims, property damage, and legal costs. Coverage includes assault claims and damage to your premises up to £6 million.

Yes, our policies include comprehensive food safety coverage for food poisoning, contamination incidents, allergen reactions, and hygiene standard breaches. This includes legal costs and compensation claims.

Yes, our premises license protection includes legal representation for licensing investigations, renewal applications, and regulatory proceedings. We work with solicitors experienced in licensing law.

Our policies can be extended to cover live music, DJ nights, private functions, and special events. This includes performer liability, equipment damage, and additional public liability risks.

Costs typically range from £1,200-£5,000 annually depending on pub size, alcohol sales volume, food service, entertainment offerings, and location risk factors.

Yes, we can extend coverage for fruit machines, pool tables, and other gaming equipment including theft, damage, and cash box contents. Gaming license compliance support is also available.

We'll need details about your premises size, alcohol sales volume, food service operations, entertainment offerings, opening hours, staff numbers, and any previous claims or incidents.

Yes, we can extend coverage for letting rooms and guest accommodation including visitor liability, room contents, fire safety compliance, and lost revenue from room closures.

Yes, our policies include coverage for beer gardens, outdoor seating areas, car parks, and external events. This includes weather damage, customer accidents, and third-party liability.

Yes, we offer flexible payment options including monthly direct debit to help with cash flow management. There's usually a small additional charge for monthly payments.

Once we have all required information including licensing details, we can often provide same-day cover. For urgent requirements, call us on 0330 127 2333 and we'll prioritize your quote.

Yes, we work with insurers who consider applications from pub operators with adverse credit history. While premiums may be higher, we can still find competitive coverage options, especially for well-managed pubs with good safety records.

Credit history can influence premium pricing, but your pub's safety record, licensing compliance, and claims history often have more impact on pub insurance costs than credit scores.

Some insurers may conduct credit checks as part of their underwriting process, but this varies by provider. We'll let you know upfront if a credit check is required and work with insurers who focus more on operational risk factors.

Absolutely. A clean licensing record, strong safety procedures, and comprehensive staff training can significantly offset credit concerns, as insurers view this as evidence of responsible pub management.

We work with specialist insurers who consider applications from pub operators with County Court Judgments or previous bankruptcy. Your current financial stability and pub management practices are often more important factors.

Contact our 24/7 claims helpline immediately after any incident. For licensing-critical situations, we provide immediate support and assign specialist claims handlers who understand hospitality industry requirements.

Ensure the injured person receives appropriate medical attention first, then document everything - take photos, gather witness statements, and complete incident reports. Notify us within 24 hours and avoid admitting liability.

We work with specialist solicitors experienced in licensing law and alcohol liability. Our team understands the complexities of over-serving claims and can provide expert legal representation throughout the process.

We work closely with licensing authorities and can provide guidance on reporting obligations. Our claims team understands regulatory requirements and can help minimize impact on your operating licenses.

Simple liability claims can be settled within weeks, while complex alcohol-related or food safety claims may take longer. We'll keep you updated throughout and provide interim support where needed.

Yes, our 24/7 emergency helpline includes immediate support for licensing crises, police investigations, and regulatory issues that could affect your ability to trade.

Notify us immediately and preserve all relevant evidence including food samples, supplier records, and temperature logs. Our claims team will coordinate with environmental health officers and manage all customer communications.

Yes, our crisis management service includes guidance on handling media attention and protecting your pub's reputation during significant claims or licensing investigations.

This depends on the nature, severity, and timing of convictions. Convictions involving violence, theft, or alcohol-related offenses are particularly concerning for licensed premises, but we work with specialist insurers who assess each case individually.

Yes, you must declare all convictions including spent ones when applying for pub insurance. The licensed nature of pub operations means insurers require full disclosure of criminal history for licensing compliance.

Alcohol or violence-related convictions significantly impact insurance availability and cost. These directly relate to pub operation risks and may result in coverage exclusions or enhanced security requirements.

Minor, older convictions unrelated to pub operations may not prevent coverage, but must be declared. Your current licensing record and pub management practices are more critical factors for pub insurance eligibility.

You must notify us immediately of any convictions during the policy period, especially those affecting your premises license or personal license. Failure to disclose could invalidate your insurance.

Previous licensing prosecutions make coverage more challenging and expensive. We work with specialist insurers, but coverage may include exclusions or require enhanced compliance monitoring and staff training.

Convictions, particularly those involving violence, alcohol offenses, or licensing breaches, can significantly increase premiums or lead to coverage exclusions. The impact varies by conviction type, age, and operational relevance.