Theft, Vandalism & Damage Insurance for Pubs

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Protect your pub against theft, malicious damage and vandalism

We compare quotes from leading pub insurers

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

Insurance for Theft, Vandalism & Malicious Damage in Pubs

Pubs are high-visibility premises and are frequently targeted for theft, vandalism and malicious damage. From overnight break-ins and smashed windows to graffiti, damaged fixtures and stolen stock, these incidents can cause serious disruption and financial loss.

Even when losses are relatively small, the cost of repairs, replacements and lost trading time can quickly escalate. Without appropriate insurance, pub owners may be left to absorb these costs themselves.

Insure24 provides specialist theft, vandalism and damage insurance for pubs, designed to respond quickly and minimise downtime following an incident.

What Does Theft, Vandalism & Damage Insurance Cover?

Theft & Break-In Cover

  • Forced entry and break-ins
  • Stolen stock, cash and equipment
  • Cellar theft and alcohol loss
  • Damage caused during theft

Vandalism & Malicious Damage

  • Smashed windows and doors
  • Graffiti and deliberate damage
  • Damage to fixtures and fittings
  • Internal and external vandalism

Fixtures, Fittings & Contents

  • Bar counters and fixed fittings
  • Furniture and seating
  • Kitchen and cellar equipment

Business Interruption Following Damage

If theft or vandalism forces your pub to close, business interruption cover can help protect your income.

  • Loss of turnover
  • Ongoing wages and rent
  • Extended repairs and reopening delays
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Why Theft & Vandalism Are Common Pub Risks

  • Late-night trading and alcohol presence
  • High-value stock and cash handling
  • Town-centre and high-footfall locations
  • Vacant periods overnight
  • Public disorder and antisocial behaviour

Security Requirements & Policy Conditions

Insurers often require pubs to maintain minimum security standards, such as approved locks, alarm systems or CCTV. Failure to meet these requirements may affect claims following theft or vandalism.

Insure24 helps ensure your security measures align with insurer expectations, reducing the risk of claim disputes.

Why Choose Insure24 for Theft & Vandalism Insurance?

  • Pub insurance specialists
  • Fast claims and emergency support
  • Advice on security improvements
  • Competitive premiums
  • Cover tailored to licensed premises

After a break-in caused serious damage, Insure24 helped us reopen quickly and safely.

Pub Owner

Frequently Asked Questions

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Does pub insurance cover theft and break-ins?

Yes. Theft insurance can cover stolen stock, cash and damage caused during forced entry, subject to policy terms.

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Is vandalism covered even if nothing is stolen?

Yes. Vandalism and malicious damage can be covered even where no theft occurs.

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Does this include graffiti removal?

Some policies include graffiti removal costs; others cover the damage itself.

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Are security alarms required?

Insurers often specify minimum security standards depending on risk and location.

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Can theft and vandalism cover be added to an existing pub policy?

Yes. Theft, vandalism and damage cover can usually be added to an existing pub insurance policy.

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