Stock & Cellar Insurance for Pubs

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Protect beer, wine, spirits and cellar stock against damage, theft and spoilage

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We compare quotes from leading pub stock insurers

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

STOCK & CELLAR INSURANCE FOR PUBS

A pub’s stock can represent one of its largest financial exposures. Beer kegs, casks, bottled drinks, wine, spirits and soft drinks stored in cellars or behind the bar are all vulnerable to loss or damage.

Stock & Cellar Insurance for pubs protects the value of your drinks stock against theft, damage, spoilage and contamination - helping safeguard your cashflow and profitability.

What Does Pub Stock & Cellar Insurance Cover?

  • Beer, lager and cider (kegs & casks)
  • Wine, spirits and bottled drinks
  • Soft drinks and mixers
  • Stock stored in cellars and bars
  • Theft or attempted theft
  • Fire, flood and escape of water
  • Accidental damage and contamination
  • Deterioration due to cellar equipment failure (optional)
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Common Stock & Cellar Risks in Pubs

  • Flooding or water leaks in cellars
  • Refrigeration or cooling system failure
  • Power cuts causing stock spoilage
  • Theft of alcohol stock
  • Breakage during deliveries or storage
  • Fire damage in storage areas
  • Contamination from pests or cleaning chemicals

How Much Stock & Cellar Cover Does a Pub Need?

Pubs should insure stock at its maximum value held at any one time, including peak trading periods, events and seasonal increases.

Under-insuring stock can significantly reduce claim payments, so accurate valuation and regular reviews are essential.

Who Needs Pub Stock & Cellar Insurance?

  • Traditional pubs and inns
  • Food-led and wet-led pubs
  • Pubs with large cellar storage
  • Music and event pubs
  • Village and community pubs
  • Multi-site pub operators

Why Arrange Pub Stock Insurance with Insure24?

  • Specialist pub & hospitality insurance expertise
  • Cover tailored to cellar and stock risks
  • Optional deterioration of stock extensions
  • Competitive premiums from leading insurers
  • Expert advice on stock valuation
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FREQUENTLY ASKED QUESTIONS

+-Does pub stock insurance cover alcohol?

Yes. Pub stock insurance typically covers beer, wine, spirits and other alcoholic drinks stored on the premises.

+-Is cellar flooding covered?

Flood and escape of water damage is usually covered, subject to policy terms and security requirements.

+-Does this cover spoilage from refrigeration failure?

Deterioration of stock due to refrigeration or cooling failure is often available as an optional extension.

+-How should I value my pub stock?

Stock should be insured at its maximum replacement value, including peak trading periods.

+-How quickly can cover start?

In many cases, cover can begin immediately once your policy is arranged and payment is confirmed.

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