Common Exclusions in Pub Insurance Policies

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Understand what pub insurance does not cover – and how to avoid costly gaps

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We arrange pub insurance with leading UK insurers

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

UNDERSTANDING PUB INSURANCE EXCLUSIONS

Pub insurance is designed to protect your business against a wide range of risks, but no policy covers everything. All pub insurance policies contain exclusions – specific situations, activities or losses that are not insured.

Understanding common exclusions in pub insurance policies is essential to avoid unexpected claim rejections and ensure your cover matches how your pub operates.

Why Do Pub Insurance Policies Have Exclusions?

Exclusions help insurers manage risk by removing cover for situations that are considered uninsurable, too high-risk, or requiring specialist insurance.

Many exclusions can be removed or amended through disclosure, endorsements or specialist cover extensions.

Common Exclusions in Pub Insurance Policies

  • Undeclared Activities – Live music, DJs, events or outdoor seating not disclosed
  • Wear and Tear – Gradual deterioration or poor maintenance
  • Unoccupied Premises – Damage during extended closure without insurer approval
  • Alcohol-Related Disorder – Certain violent or criminal acts
  • Defective Workmanship – Poor repairs or installations
  • Mechanical Breakdown – Unless specifically insured
  • Cyber Incidents – Without dedicated cyber insurance

Common Liability Insurance Exclusions for Pubs

  • Claims arising from undisclosed outdoor areas
  • Employee injuries without employers’ liability cover
  • Intentional or criminal acts
  • Assault and battery exclusions (unless endorsed)
  • Events exceeding agreed capacity limits

Property, Stock & Cellar Exclusions

Property-related claims are often affected by exclusions linked to maintenance, security and occupancy.

For example, stock deterioration due to refrigeration failure is commonly excluded unless an extension is added.

How to Avoid Gaps in Pub Insurance Cover

The most common cause of uncovered claims is non-disclosure. Insurers must be told about all aspects of your pub’s operation, including changes over time.

Regular policy reviews and working with a specialist pub insurance broker can significantly reduce the risk of exclusions affecting claims.

Why Review Pub Insurance Exclusions with Insure24?

  • Specialist pub & hospitality insurance expertise
  • Clear explanation of exclusions and conditions
  • Advice on removing or amending exclusions
  • Access to specialist and niche insurers
  • Ongoing reviews as your pub evolves
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FREQUENTLY ASKED QUESTIONS

+-What is the most common pub insurance exclusion?

Non-disclosure of activities such as live music, events or outdoor seating is one of the most common causes of rejected claims.

+-Are fights and assaults covered by pub insurance?

Assault and battery is often excluded unless specifically endorsed. Cover depends on policy terms.

+-Is stock spoilage always covered?

No. Deterioration of stock due to refrigeration or power failure is commonly excluded unless added as an extension.

+-Can exclusions be removed?

Some exclusions can be removed or reduced through disclosure, endorsements or specialist cover.

+-How often should I review my pub insurance exclusions?

Exclusions should be reviewed annually and whenever your pub’s operations change.