Fire, Flood & Accidental Damage Insurance for Pubs

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Protect your pub against fire, flooding and unexpected damage to buildings, fixtures and equipment

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We compare quotes from leading pub & hospitality insurers

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

PROTECTING PUB PREMISES FROM MAJOR PROPERTY DAMAGE

Fire, flood and accidental damage represent some of the most serious and costly risks faced by pub owners. A single incident can cause extensive damage to buildings, fixtures, cellar systems, kitchens and customer areas - often forcing prolonged closure.

Many pubs operate from older buildings, listed premises or converted properties, which can increase vulnerability to fire spread, water ingress and accidental damage.

Insure24’s Fire, Flood & Accidental Damage Insurance provides specialist protection for pubs, bars, gastro pubs and licensed venues across the UK.

What Does Fire, Flood & Accidental Damage Insurance Cover?

  • Fire, smoke and explosion damage
  • Flooding from rivers, surface water or burst pipes
  • Escape of water from plumbing or cellar systems
  • Accidental damage to buildings and fixtures
  • Damage to bar areas, kitchens and cellars
  • Electrical fire and lighting system damage
  • Storm and weather-related property damage

Fire Risks in Pubs

Fire remains one of the most significant risks for pubs, particularly those with commercial kitchens, open flames, electrical equipment and older wiring.

  • Kitchen fires from cooking equipment
  • Electrical faults and overloaded circuits
  • Candles, heaters and decorative lighting
  • Smoking-related incidents
  • Fire spread in older or listed buildings

Flood & Escape of Water Risks

Flooding can cause severe disruption to pubs, particularly where cellars, basements or beer storage areas are affected.

  • River or surface water flooding
  • Burst pipes or leaking plumbing
  • Cellar flooding and beer line damage
  • Damage to flooring, electrics and stock

Accidental Damage Explained

Accidental damage cover protects against sudden and unforeseen damage caused by everyday incidents, such as impact damage, breakage or mishandling.

For pubs, this may include damage to bar fronts, fixtures, glazing, toilets or fixed equipment caused by customers or staff.

What Is Typically Not Covered?

  • Wear and tear or gradual deterioration
  • Poor maintenance or neglect
  • Uninsured or undeclared alterations
  • Flood where exclusions apply without extension

Who Needs Fire, Flood & Accidental Damage Cover?

  • Freehold pub owners
  • Leasehold pubs responsible for repairs
  • Pubs with kitchens or cellars
  • Listed or older pub buildings
  • Food-led and gastro pubs

Linking Property Damage to Business Interruption

Fire and flood damage often trigger business interruption claims. Ensuring your property insurance is correctly aligned with business interruption cover is critical to protecting your pub’s income during repairs.

Why Arrange Property Damage Insurance with Insure24?

  • Specialist pub & hospitality expertise
  • Advice on flood risk and building construction
  • Tailored accidental damage options
  • Access to specialist UK insurers
  • Claims support when it matters most
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FREQUENTLY ASKED QUESTIONS

+-Is flood cover automatically included?

Flood cover may be included or added as an extension depending on the property’s flood risk profile.

+-Does this cover cellar flooding?

Yes, cellar flooding can be covered, subject to policy terms and flood exclusions.

+-Is accidental damage worth adding?

Many pubs choose accidental damage cover due to the high risk of everyday damage in customer areas.

+-Does fire insurance cover smoke damage?

Yes. Smoke damage is usually included following an insured fire event.

+-Can Insure24 review my existing property cover?

Yes. Insure24 can review your existing pub insurance and identify potential gaps in fire, flood or accidental damage cover.

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