Licensed Trade Insurance

Pub Insurance UK for Licensed Premises

Specialist insurance for traditional pubs, gastro pubs and other licensed venues, shaped around your premises, people, stock and trading risks.

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On This Page

Overview Key Sections Example Claims Related Pages FAQs

Working with insurer markets

Market access and cover availability depend on trade, disclosure, claims history, underwriting appetite and policy terms.

  • Allianz insurance logo
  • Zurich insurance logo
  • CHUBB
  • QBE insurance logo
  • RSA insurance logo
  • AXA
Cover built around the way your pub trades

Specialist Insurance For Pubs And Public Houses

Pub insurance can help protect UK public houses and licensed venues against customer injury claims, staff injury, stock loss, property damage and business interruption.

Buildings, Contents And Stock

Cover options for the premises, tenant improvements, furniture, cellar equipment and declared stock values.

Liability Protection

Public, product and employers’ liability options for customers, staff and third parties.

Business Interruption

Support for lost income and continuing costs after an insured disruption prevents normal trading.

Licence And Legal Options

Loss of licence and legal-expenses extensions may be available, subject to policy terms.

Core cover

What can pub insurance include?

A broker can help combine the relevant sections and limits around your premises, turnover, staff, opening hours, food service and entertainment.

01

Public Liability

Public liability insurance can respond to customer injury or third-party property damage claims connected with the pub.

02

Employers’ Liability

Employers' liability insurance is normally required when you employ staff, subject to the applicable legal exemptions.

03

Property And Stock

Buildings, contents and stock cover can protect declared premises, equipment, fixtures, food and drink stock.

04

Business Interruption

Cover for lost income and continuing expenses following an insured event that interrupts trading.

05

Licence And Legal

Loss of licence and legal expenses review where suitable extensions are available.

06

Entertainment And Cyber

Additional options for declared events, payment systems, booking tools and customer information.

Not sure which sections apply?Tell us how your pub operates and we’ll help you compare suitable options.
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Who it is for

Cover For Different Types Of Pub

Insurers assess how the venue actually trades, not only the name above the door.

  • Traditional and community pubs
  • Gastro pubs and food-led venues
  • Sports pubs with busy fixture nights
  • Music pubs and entertainment venues
  • Pubs with beer gardens or play areas
  • Tenanted, leased and owner-operated pubs
What affects the quote

Information Insurers Usually Need

  • Trade: alcohol, food and accommodation turnover
  • Hours: closing time and late-night frequency
  • Activities: entertainment, sport and outdoor areas
  • Property: construction, alarms and declared values
  • People: staff numbers, wages and customer capacity
  • History: claims, licence issues and risk improvements
Practical risk context

Examples Of Claims A Pub Could Face

Cover depends on the policy wording, selected sections and the facts of each claim.

Customer Injury

A guest slips on a wet floor or is injured by damaged furniture or broken glass.

Stock And Equipment Loss

A break-in, insured damage or equipment failure affects declared stock and essential cellar equipment.

Trading Interruption

Fire, escape of water or another insured event forces the premises to close for repairs.

Prepare once, compare more easily

What To Have Ready For A Quote

Bring your venue address, turnover split, opening hours, staff details, security measures, stock values, entertainment information and claims history.

Get pub insurance quotes Call 0330 127 2333
Frequently asked questions

Pub Insurance Questions

What insurance does a UK pub usually need?

Pubs often consider public liability, employers’ liability, property, contents, stock and business interruption cover. The right structure depends on the premises, staff, activities and policy terms.

Does pub insurance include public liability?

Public liability is commonly included within pub insurance packages, subject to the selected limits, policy wording and exclusions.

Can stock, cellar equipment and loss of income be covered?

These sections can often be included where the values and exposures are declared and accepted by the insurer.

Can pubs with entertainment or beer gardens get cover?

Often yes, but live music, events, play areas and outdoor customer spaces should be disclosed because they can affect the risk and policy terms.

Can loss of licence cover be included?

Some policies can include a loss-of-licence extension. Availability and scope depend on insurer appetite and the exact wording.

Ready to compare cover?

Get Pub Insurance Quotes

Tell us how your pub trades and we’ll help you present the risk clearly to suitable insurers.

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