Pub with Beer Garden & Outdoor Area Insurance

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Specialist insurance for pubs with beer gardens, patios and outdoor drinking areas

We compare quotes from leading pub insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance for Pubs with Beer Gardens & Outdoor Areas

Beer gardens, patios and outdoor seating areas can significantly increase a pub’s appeal and turnover, particularly during warmer months. However, outdoor trading also introduces additional risks that standard pub insurance may not fully address.

From slips and trips on uneven surfaces to injuries caused by outdoor furniture, heaters, parasols or poor weather conditions, pubs with beer gardens face a higher exposure to public liability claims.

Insure24 provides tailored pub insurance for beer gardens and outdoor areas, ensuring your policy reflects how your premises is actually used - both indoors and outdoors.

What Does Beer Garden & Outdoor Area Insurance Cover?

Public Liability (Outdoor Areas)

  • Customer slips, trips and falls outdoors
  • Uneven paving or decking claims
  • Injuries caused by outdoor furniture
  • Alcohol-related incidents in beer gardens
  • Damage to third-party property

Outdoor Furniture & Fixtures

  • Tables, benches and seating
  • Parasols and awnings
  • Heaters and fixed outdoor equipment
  • Theft and vandalism

Buildings & Property Damage

  • Storm and weather damage
  • Damage to decking and fencing
  • Impact damage to external structures

Employers’ Liability

Employers’ liability insurance is legally required if you employ staff.

  • Staff injuries while serving outdoors
  • Manual handling of furniture
  • Slips during cleaning or setup
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Key Risks Associated with Beer Gardens

  • Uneven surfaces and poor lighting
  • Wet weather and slippery flooring
  • Unsecured furniture in high winds
  • Children and family use of outdoor areas
  • Extended alcohol service outdoors
  • Noise complaints and local authority scrutiny

Licensing, Planning & Legal Responsibilities

Pubs operating beer gardens or outdoor seating must ensure their premises licence permits alcohol consumption outdoors and that any pavement or external seating complies with local authority requirements.

Insurers expect outdoor areas to be disclosed accurately. Failure to declare a beer garden or outdoor trading can invalidate cover in the event of a claim.

Why Choose Insure24 for Beer Garden Insurance?

  • Pub insurance specialists
  • Experience with outdoor trading risks
  • Cover tailored to licensed outdoor areas
  • Competitive premiums
  • Expert claims support

Insure24 ensured our beer garden was fully covered, including outdoor seating and heaters.

Pub Owner

Frequently Asked Questions

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Do I need to tell insurers about my beer garden?

Yes. Outdoor areas must be disclosed to ensure public liability cover applies.

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Are outdoor heaters and furniture covered?

Yes. They can be covered under contents or fixtures insurance if declared.

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Does public liability extend to outdoor areas?

Yes, provided the outdoor area is included in the policy.

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Is employers’ liability required for staff serving outside?

Yes. Employers’ liability applies regardless of whether staff work indoors or outdoors.

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Can beer garden insurance be added to an existing pub policy?

Yes. Outdoor area cover can usually be added to an existing pub insurance policy.

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