Business Interruption & Loss of Income Insurance for Pubs

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Protect your pub’s income if fire, flood or major damage forces you to close

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We compare quotes from leading pub & hospitality insurers

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

INCOME PROTECTION WHEN YOUR PUB CAN’T TRADE

Pubs rely on consistent daily and weekly trade to cover wages, rent, utilities and supplier costs. When an unexpected event forces your pub to close or trade at reduced capacity, the loss of income can quickly threaten the survival of the business.

Business Interruption & Loss of Income Insurance is designed to protect pub owners against this risk by replacing lost turnover and covering ongoing fixed costs while the business recovers.

Insure24 arranges specialist business interruption insurance for freehold and leasehold pubs, bars, gastro pubs and pub-restaurant hybrids across the UK.

What Is Business Interruption Insurance?

Business interruption insurance covers loss of income following physical damage to your pub caused by an insured event such as fire, flood, storm or explosion.

It is designed to put your pub back in the financial position it would have been in had the loss not occurred, allowing you to continue paying wages, rent and essential bills during the recovery period.

What Does Business Interruption Insurance Cover?

  • Loss of gross profit or turnover
  • Ongoing staff wages and salaries
  • Rent, rates and utility costs
  • Temporary relocation costs
  • Increased cost of working
  • Loss of food & drink sales
  • Extended closure after major damage

Common Causes of Pub Business Interruption Claims

  • Fire or smoke damage
  • Flooding or escape of water
  • Storm or weather damage
  • Structural damage to the premises
  • Cellar flooding or refrigeration failure
  • Damage from third-party vehicles

Indemnity Periods Explained

The indemnity period is the maximum length of time your insurer will pay business interruption claims. Common options include 12, 18, 24 or 36 months.

Pubs often underestimate how long it can take to fully recover after a major fire or flood. Insure24 helps you select an appropriate indemnity period to avoid underinsurance.

What Business Interruption Insurance Does Not Cover

  • Voluntary or planned closures
  • Seasonal downturns in trade
  • Loss of income without physical damage
  • Pandemic-related closures (unless specified)

Who Needs Business Interruption Insurance?

  • Freehold pub owners
  • Leasehold pubs with fixed overheads
  • Food-led pubs and gastro pubs
  • Late-night bars and venues
  • Multi-site pub operators

Why Arrange Business Interruption Cover with Insure24?

  • Specialist pub insurance expertise
  • Correct gross profit calculations
  • Advice on indemnity periods
  • Access to specialist UK insurers
  • Support during claims
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FREQUENTLY ASKED QUESTIONS

+-Is business interruption insurance compulsory?

No, but it is strongly recommended for pubs with significant overheads and reliance on daily trading.

+-Does it cover loss of profit or turnover?

Policies can be arranged to cover gross profit or turnover depending on your pub’s accounting structure.

+-How long will insurers pay out for?

This depends on the indemnity period selected, commonly 12–36 months.

+-Does BI cover cellar or refrigeration failure?

It can, but usually only when linked to insured property damage or when specialist extensions are added.

+-Can Insure24 review my existing BI cover?

Yes. Insure24 can review your current business interruption sums insured and indemnity period to highlight any gaps.

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