Pub Insurance for the Licensed Trade

Pub insurance for the licensed trade is a legal responsibility for every individual licensee. Licensees need peace of mind to focus on giving their customers the best possible service. From a traditional country pub to late night wine bar, our licensed trade insurance provides suitable protection for most types of business. As a landlord, buying insurance might not be your favourite task, but we can help you understand what’s involved and how to choose the right policy at the right price. There are some 50,000 pubs in the UK. If you run one of them, there are a few types of insurance you’ll need to think about. These include:

Pub insurance for the licensed trade features

  • Trade contents and stock
  • Glass cover
  • Buildings insurance
  • Loss of trading profit
  • Legal liability cover for your employers
  • Legal liability cover for the public
  • Business money
  • Deterioration of stock
  • Loss of Licence
  • Goods in transit
  • Legal expenses
  • Domestic contents cover

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy.

What is pub insurance?

Pub insurance for the licensed trade is a specialist business insurance designed for licensed venues and tailored to the risks that publicans and licensees face.

Insuring a business is not quite as simple as insuring a car though so specialist insurers will take the time to understand the specifics of your venue by completing a ‘fact find’ to understand your risks. Your advisor or broker will then know where best to source the right cover for you.

What type of venues can benefit from pub insurance for the licensed trade?

  • Pubs and public houses
  • Gastro pubs and ‘wet and dry’ pubs
  • Wine bars
  • Pubs and bars with late licences/entertainment
  • Late night venues
  • Nightclubs
  • Function and event venues
  • Any other type of licensed venue

Stock insurance

for a pub, stock insurance covers all the items you sell, including wines, beers and spirits, and food – which are going to be valuable.

Contents insurance for pubs

Contents insurance covers your fixtures and fittings, equipment and stock against a range of perils including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises. It also covers against the leakage of beer & beverages from pumped containers and subsequent damage to contents as well as a range of other perils specific to your trade. We can additionally provide building insurance for your public house if you own the building.

Add entertainment cover to your pub insurance policy

Events and entertainment are activities that may just be noted on your policy, although sometimes they can require extra cover. However you hold events, it is vital that you discuss your plans with your insurer. Even if the insurance doesn’t cost you any extra, you must have it noted on the policy. There are very few business around today that can afford a liability compensation claim without public liability insurance. The trick is to give as much information as you can during your quote. This way you only need to call you insurer as the situation changes.


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