Insurance for pubs

Cover for pubs and licensed premises

As every landlord, pub owner and bar manager will tell you, pubs carry risks for everybody involved – from staff to the owner, and customers to the house next door. With Simply Business you can build a policy that takes care of the risks. Even if you’re forced to close temporarily, there’s cover available to tide you over. Whether you work on your own or employ people, it’s quick, quality cover, all in one policy.

Specialist cover, just for pubs

Our quote form is tailored to give you options around the covers below.

Loss of liquor licence

Even when you aren't at fault, you could still lose your liquor licence. If the circumstances are outside your control, we’ll cover you for loss of value of your business premises and loss of profit.

Pub contents cover

With our specialist options, you can get cover for your pub’s contents, plus fixtures and fittings like the bar area and surfaces.

Business interruption

If a crisis interrupts business – such as a fire or flood – we’ll cover your loss of income. This’ll help tide you over until business is back to normal.

What insurance do I need for a pub?

Public liability insurance is often a very important cover for pubs and most other trades, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

If you own the building your pub is located in, business buildings insurance is essential. Our special pub buildings insurance policy will cover the costs of rebuilding your licensed premises, as well as problems with subsidence.

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

The average insurance claim for a pub is £19,067 – could you afford this if the worst happened? (Average claim being £19,067. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

Pub cover details

• Make sure you read your policy documents carefully and that you understand any exclusions that may apply
• Do you need your own buildings cover, or is this provided by your brewery?
• Contents cover and fixtures and fittings cover insure different types of items within your premises, so check what you need
• Have you thought about front of premises cover?

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.