Pub & Restaurant Hybrid Insurance

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Specialist insurance for pubs that operate both bar and full food service

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We compare quotes from leading pub & hospitality insurers

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

INSURANCE FOR PUBS THAT SERVE FOOD

Modern pubs increasingly operate as hybrid venues, combining traditional bar service with full restaurant-style food operations. While this model increases revenue, it also significantly expands the risk profile of the business.

Pub & restaurant hybrids face exposure from alcohol service, food preparation, kitchen fire risk, customer injury, staff safety, licensing compliance and business interruption. Standard pub insurance may not provide adequate protection unless food-led trading is correctly disclosed.

Insure24’s Pub & Restaurant Hybrid Insurance is designed specifically for gastro pubs, food-led pubs, village pubs with kitchens and multi-site pub restaurant operators across the UK.

What Does Pub & Restaurant Hybrid Insurance Cover?

  • Public liability (food & alcohol-related claims)
  • Employers’ liability (legal requirement)
  • Food safety & contamination liability
  • Buildings insurance (if required)
  • Contents, fixtures & fittings
  • Kitchen equipment & bar assets
  • Stock including alcohol & food
  • Business interruption & loss of income
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Key Risks for Pub & Restaurant Hybrid Venues

  • Food poisoning or allergen claims
  • Alcohol-related customer injury
  • Kitchen fire or grease-related incidents
  • Staff injury in kitchen or bar areas
  • Higher footfall and longer dwell time
  • Stock spoilage or refrigeration failure
  • Licensing or compliance breaches

Why Food-Led Trading Changes Your Insurance

Once a pub becomes food-led, insurers assess it differently. Kitchens introduce fire risk, grease extraction systems, cooking equipment and higher staff injury exposure. Food service also increases the risk of contamination and allergen-related claims.

Correctly declaring your pub as a restaurant hybrid ensures your policy remains valid and responsive if a claim arises.

Who Needs Pub & Restaurant Hybrid Insurance?

  • Gastro pubs
  • Village pubs serving full meals
  • Food-led destination pubs
  • Pubs with commercial kitchens
  • Multi-site pub restaurant groups
  • Pubs offering takeaway or delivery food

Business Interruption for Pub Restaurants

Food-led pubs rely on consistent service across lunch and evening trading. If your venue is forced to close due to fire, flood or equipment failure, business interruption insurance helps replace lost income and cover fixed costs.

Why Arrange Pub & Restaurant Insurance with Insure24?

  • Specialist pub & hospitality insurance expertise
  • Understanding of food-led risk profiles
  • Access to specialist UK insurers
  • Tailored combined policies
  • Competitive premiums
  • UK-based claims support
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FREQUENTLY ASKED QUESTIONS

+-Is pub restaurant insurance different from pub insurance?

Yes. Food service introduces additional risks that require specialist cover beyond standard pub insurance.

+-Do I need to declare food sales?

Yes. Failing to declare food-led trading can invalidate parts of your policy.

+-Is food poisoning covered?

Public liability and food safety extensions can cover food poisoning claims, subject to policy terms.

+-Does this cover kitchen equipment?

Yes. Commercial kitchen equipment can be insured under contents or specialist equipment sections.

+-Can pub restaurant insurance be combined?

Yes. Most pub restaurants choose a combined policy covering liability, property, stock and business interruption.

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