Public House & Gastro Pub Insurance

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Our Pub Insurance offers tailored policies for all types of pubs, including accidental damage as standard, whether they are independent free houses, national chains, wet venues, or gastro pubs.

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Features & Benefits Businesses covered Cover Highlights Additional Information

Features & Benefits

A-rated capacity provided by Hadron or Accelerant
Tailored insurance packages to meet the unique needs of your clients’ business
Can cover up to 10 letting rooms (any more than 10 should be placed on our Hotel & Guest House product)
Skilled underwriters ensuring prompt responses to quotes
Highly competitive rates with generous commission levels
Quotes actioned within 1 hour, urgent cases always prioritised
Total MD/BI sums insured up to £15 million (per location)

Coverage can include:
- Gaming machines
- Interactive games
- Door staff (third-party or own)
- Mobile bars
- Food
- Events
- Live music and entertainment
- Outbuildings
Claims managed by Sedgwick, a specialist claims management company

Businesses covered

We can provide terms for almost any type of public house, including but not limited to:

Family pubs
Pubs with cooking facilities
Entertainment pubs
Pubs with outdoor play areas
Microbreweries – making up to 50% of sales (if above, would need to be added to our Commercial Combined product)
Pubs with activities

Cover Highlights

Business interruption – £500,000
Goods in transit – £2,000
Money – £5,000 in transit / £2,000 in safe
Deterioration of stock – £2,000
Glass cover – unlimited
Public & products liability – £5,000,000
Employers’ liability – £10,000,000
Loss of licence – £100,000
Legal expenses – £100,000

Buildings
Contents
Tenants’ improvements
Stock
Electronic business equipment
Sound, lighting, & entertainment equipment
Stock of tobacco
Stock of wines & spirits

Additional Information

You should quote under our pub product if the business operates as a pub, typically closing by 1am, with extended hours until 2am on weekends.

If you are unsure get in touch via our online chat or call 0333 032 5000.

Other Licensed Trade Products

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