Combined / Package Pub Insurance

SPEAK TO A PUB INSURANCE SPECIALIST GET PUB INSURANCE QUOTES

One comprehensive insurance policy covering all the key risks faced by pubs

SPEAK TO A PUB INSURANCE SPECIALIST GET PUB INSURANCE QUOTES

We compare quotes from leading pub & hospitality insurers

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

SIMPLIFIED INSURANCE FOR PUB OWNERS

Running a pub involves managing multiple risks at the same time - customers, staff, alcohol service, property, stock and income all need protection. Trying to insure these risks under separate policies can be costly, confusing and leave dangerous gaps in cover.

Combined / Package Pub Insurance brings all the essential covers together into one tailored policy designed specifically for pubs and licensed premises.

Insure24 arranges combined pub insurance for freehold and leasehold pubs, gastro pubs, village locals, wet-led pubs and multi-site pub operators across the UK.

What Is Combined / Package Pub Insurance?

Combined pub insurance (also known as package pub insurance) is a single policy that includes multiple types of cover needed to protect a pub business.

Instead of purchasing individual policies for liability, property, stock and business interruption, a combined policy brings them together under one coordinated contract.

What Does Combined Pub Insurance Cover?

  • Public liability insurance
  • Employers’ liability (legal requirement)
  • Buildings insurance (where required)
  • Contents, fixtures & fittings
  • Stock including alcohol and food
  • Business interruption & loss of income
  • Theft, vandalism & malicious damage
  • Optional extensions (legal, breakdown, terrorism)

Why Most Pub Owners Choose Combined Insurance

  • One policy instead of multiple renewals
  • Reduced risk of uninsured gaps
  • Consistent policy terms across covers
  • Often more cost-effective
  • Simpler claims handling

Pub-Specific Risks Addressed by Combined Insurance

  • Alcohol-related customer injury
  • Slips, trips and falls
  • Fire risk from kitchens or electrics
  • Theft of cash, stock or equipment
  • Staff injury claims
  • Extended closure after major damage

Freehold vs Leasehold Pub Insurance

Freehold pub owners typically require buildings insurance as part of their combined policy, while leasehold operators may only need contents, stock and liability cover.

Insure24 ensures your combined pub insurance reflects your ownership structure and contractual obligations.

Business Interruption Within Combined Pub Insurance

Business interruption is one of the most important components of a combined pub policy. If fire, flood or major damage forces closure, this cover helps replace lost income and pay ongoing costs.

Who Is Combined Pub Insurance Suitable For?

  • Village and community pubs
  • Wet-led pubs
  • Gastro pubs and food-led venues
  • Freehold and leasehold pubs
  • Multi-site pub operators

Why Arrange Combined Pub Insurance with Insure24?

  • Specialist pub & hospitality expertise
  • Tailored combined policies
  • Access to specialist UK insurers
  • Competitive premiums
  • Clear advice and policy explanations
  • UK-based claims support
SPEAK TO A PUB INSURANCE SPECIALIST GET PUB INSURANCE QUOTES

FREQUENTLY ASKED QUESTIONS

+-Is combined pub insurance cheaper?

In many cases, yes. Combining covers into one policy is often more cost-effective than arranging separate policies.

+-Is employers’ liability included?

Yes. Employers’ liability insurance is usually included and is legally required if you employ staff.

+-Can I add or remove covers?

Yes. Combined pub insurance policies are flexible and can be tailored to your specific risks.

+-Does combined insurance cover food service?

Yes, provided food-led trading is declared and reflected in the policy.

+-Can Insure24 review my existing pub insurance?

Yes. Insure24 can review your current policies and recommend a suitable combined pub insurance solution.