Pub insurance

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  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Compare tailored pub insurance quotes from trusted brands
Pub barman serving beer to customers at the bar
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zurich insurance

Why do you need pub insurance?

Pubs. They’re a labour of love and need an expert hand, at the bar and on the business side. The clue’s in the name – you’re working with the public, and with that comes certain everyday risks. From a slippery floor to accidents in your beer garden, our licensed premises insurance can shield you from expensive claims, starting with public liability cover.

  • licensed premises and pub insurance (UK-specific) with a 24/7 claims team
  • quotes start at £4.95* a month
  • public liability insurance for pubs between £1 million and £5 million


Insurance for pubs – what’s covered?

We’ll start with public liability insurance (usually part of the pub insurance average cost), which can cover you against accidents in your pub, the beer garden or elsewhere on the premises. From there, you can add cover for your essential equipment and stock, as well as employers’ liability insurance for your team.


The average cost of pub insurance?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.95 per month

Get tailored quotes in 7 minutes

Example public house insurance quotes, real prices

zurich insurance
chiswell insurance

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Main building

£200

£4000

Stock

£200

£4000

Contents

£200

£4000

Employers liability

No excess

No excess

Public liability

No excess

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.


How it works

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Get prices from a range of insurers

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£68 million in claims paid out in 2024

Example claim

Having pub insurance through Simply Business has saved businesses thousands of pounds when the unexpected happened.

Imogen saved more than £23,000

Imogen (not her real name) shut her pub after discovering serious water damage on her pub’s ground floor, due to drainage from the business next door. The escape of water damage was covered by her public house insurance policy.

Pub insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about business insurance for pubs. You can also check out our business insurance FAQs.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions