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Pub insurance protects your business against the real risks of running a licensed venue—injury claims, property damage, theft, and events that could force you to close your doors overnight.

Without it, one bad incident could be financially devastating.

Running a pub isn’t low-risk. You’re serving alcohol, storing cash and stock, cooking hot food, and welcoming the public—all in one place. If a customer slips and falls, or a kitchen fire breaks out, you could be hit with thousands in legal or repair costs.

Add in theft, damaged stock from power failures, or business interruption due to a burst pipe, and it’s clear how quickly things can spiral. Even small issues—like a cracked floor tile or faulty beer tap—can lead to liability if someone is hurt.

Pub insurance doesn’t just protect your building or your stock. It protects your ability to keep trading. Without the right cover, you’d have to absorb the costs—and in hospitality, margins are tight.

That’s why proper commercial property insurance isn’t optional—it’s part of running responsibly.

Pub insurance typically includes protection for your building, contents, alcohol stock, public and employer liability, and business interruption.

It’s built to shield you from the financial impact of unexpected events that could damage your premises or your reputation. Here’s what’s commonly included:

• Buildings insurance – Covers the structure itself, whether owned or leased, against damage from fire, flood, or vandalism.
• Contents and equipment – From kitchen kit and furniture to EPOS systems and TVs—it’s all insurable.
• Alcohol and perishable stock – Essential if your fridge fails or stock is stolen or damaged before use.
• Public liability – Protects your business if a customer is injured on-site or their belongings are damaged.
• Employers’ liability – A legal requirement if you have staff, covering accidents or illness at work.
• Business interruption – Helps cover loss of earnings if your pub can’t open due to an insured event.
• Money cover – Protects cash kept on the premises or in transit (including takings and float).

Most policies can be customised to match your venue’s layout, trading hours, and risk level. You’re not locked into a generic package—you can choose cover that reflects how your pub actually operates.

Pub insurance won’t cover every scenario—especially if risks aren’t declared, items are underinsured, or the issue falls outside what’s considered an “insurable event.”

Understanding the limits of your policy is just as important as knowing what’s protected. Here are some common exclusions:

• Wear and tear – Gradual damage to furniture, flooring, or fridges isn’t covered. Insurance deals with the unexpected, not ongoing upkeep.
• Poor maintenance or negligence – If your premises aren’t properly looked after (e.g. faulty wiring, broken flooring), claims may be rejected.
• Undeclared high-value items – Specialist equipment or unusually expensive stock must usually be declared separately.
• Illegal activity or licensing breaches – Cover is void if your pub is found to be operating outside the law (e.g. serving alcohol without a licence).
• Cyber threats or online fraud – Unless cyber cover is added, digital risks typically aren’t included in standard pub policies.

Policy exclusions vary by insurer, so if you rely on unusual equipment, run a high-volume late-night venue, or deal in large quantities of cash or stock, it’s worth double-checking your policy wording—or asking questions before you commit.