What Insurance Does a Pub Need? (UK Guide)

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A complete UK guide to mandatory and recommended pub insurance cover

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A COMPLETE GUIDE TO PUB INSURANCE IN THE UK

Running a pub involves a unique mix of legal responsibilities, financial risks and public-facing liabilities. From staff injuries and customer accidents to fire, theft and regulatory action, pub owners must ensure they hold the right insurance cover to protect their business.

This UK guide explains what insurance a pub needs, which policies are legally required, and which covers are strongly recommended depending on how your pub operates.

Legally Required Insurance for Pubs

  • Employers’ Liability Insurance – A legal requirement if you employ staff. Covers injury or illness claims from employees.
  • Motor Insurance – Required if the pub owns or operates vehicles.

Essential Insurance Every Pub Should Have

  • Public & Customer Liability Insurance – Covers injury or property damage claims from customers or members of the public.
  • Buildings Insurance – Protects the pub building against fire, flood, storm and other insured risks.
  • Contents Insurance – Covers fixtures, fittings, furniture, equipment and bar contents.
  • Stock & Cellar Insurance – Protects beer, wine, spirits and cellar stock against damage, theft and spoilage.

Business Interruption & Loss of Income Cover

Business Interruption Insurance is one of the most overlooked but critical covers for pubs. It protects your income if you are forced to close due to fire, flood or another insured event.

This cover can help pay ongoing costs such as rent, wages and utilities while your pub recovers.

Optional & Specialist Pub Insurance Covers

  • Management Liability / Directors & Officers Insurance
  • Cyber & Data Protection Insurance
  • Live Music & Entertainment Insurance
  • Outdoor Seating & Customer Area Risk Insurance
  • Food Safety & Contamination Liability
  • Legal Expenses Insurance
  • Commercial Vehicle & Goods in Transit Insurance

How to Choose the Right Insurance for Your Pub

The right pub insurance depends on how your business operates - including whether you serve food, host events, employ staff, trade late or use outdoor seating.

Working with a specialist pub insurance broker helps ensure all activities are properly disclosed and covered.

Why Use Insure24 for Pub Insurance?

  • Specialist pub & hospitality insurance expertise
  • Tailored cover for independent and multi-site pubs
  • Access to leading UK pub insurers
  • Advice on legal and regulatory requirements
  • Ongoing support as your pub evolves
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FREQUENTLY ASKED QUESTIONS

+-What insurance is legally required for a pub?

Employers’ liability insurance is legally required if you employ staff.

+-Do pubs legally need public liability insurance?

Public liability insurance is not legally required, but it is essential due to the high risk of customer injury claims.

+-Is pub insurance different from restaurant insurance?

Yes. Pubs often have additional risks such as alcohol service, live music and late trading.

+-Can I combine all pub insurance into one policy?

Yes. Many pubs use a combined or package policy to include multiple covers in one place.

+-How quickly can pub insurance start?

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

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