Pub & Hotel Insurance

Pub, Restaurant & Hotel Insurance

Inside a bar

As a business owner of a licensed or non-licensed premises, you are at risk of potential incidences such as malicious damage or theft, which will need to considered when looking for a personalised business insurance policy.

Choosing the right insurance package to suit your restaurant, bar or bed & breakfast business is essential. At The Insurance Octopus, we can help you with options to find the most efficient and cost-effective business insurance policy tailored to your needs.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Types of Restaurant, Pub, Hotel, B & B Insurance we can provide


What your Restaurant, Pub, Hotel, B & B Insurance Policy includes

Hotel room service

Employers’ Liability cover

If you have one or more employees then by law you are required to have employers liability insurance. This cover is a standard £10m and will protect you (the employer) against claims from your staff if they are hurt when working for you.

Public & Products Liability insurance

Public & Products Liability insurance covers you, as the business owner, against claims from third parties of up to £5m.

Business Money

Business Money covers your business cash whilst on the premises during working hours. The money has to be kept within a safe whilst on your premises (subject to limits within the Policy).

Buildings cover

This insures the building premises, outbuildings, landlords fixtures and fittings.

Contents cover

Contents cover can protect trade contents, customer goods, fixtures and fittings, computer and electronic business equipment. If you own a pub which serves first-class food as well as alcohol, this type of cover also protects the deterioration of stock.

Loss of License

In the unfortunate event that you experience loss of income resulting from non-renewal or withdrawal of your license to trade due to causes beyond your control, this type of cover is relevant. As a pub owner you cannot broker any laws regarding the licence you hold, but there could be circumstances where it could be revoked or not renewed, which could have financial consequences.

Business Interruption cover

This covers the loss of your gross income due to loss or damage at the premises. The usual limit is set in blocks of 12/24/36 months depending on how long the business would take to recover from the loss or damage.

Residential Accommodation cover

As long as they live at the premises being insured, this additional option covers your family and guests’ personal belongings, contents and money (limited cover). If a your business has guest rooms, it will cover personal possessions up to a specified limit in the event of a fire, flood or storm damage.

All Risks cover

This is an optional cover which includes items out in the open within your territorial limits, such as garden furniture, chairs and umbrellas.

Terrorism cover

Terrorism cover standard does not provide cover for any loss or damage caused by direct or indirect acts of terrorism. However, there is an optional extension for premises in England, Wales and Scotland but you must request this cover if required.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Benefits of having Restaurant, Pub, Hotel, B & B Insurance

Coffee in a cafe

When owning licensed or non-licensed premises, the possibility of risks occuring may increase for various reasons. People and alcohol can cause a wide variety of problems:

  • Assaults on your staff
  • Theft within your business premises
  • If you prepare and serve food, a customer may decide they have suffered ill health from eating it
  • Staff could be injured whilst going about their everyday duties

Everyday risks can also be associated with natural causes which could result in your business temporarily incapable of operating. In these types of situations, your staff could potentially hold you legally accountable which a court of law may also agree. In other situations, you could have suffered serious stock losses as well as a loss of income.

At The Insurance Octopus, we cannot stop any of these unfortunate events happening, but we can help you find a business insurance policy that provides the right financial protection for your restaurant, public house or bar.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

When you’re considering taking out a policy, one of The Insurance Octopus specialists will discuss your business requirements with you and compare personalised quotes from a number of major UK insurance providers. We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit.

Speak to us today to get a quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm