Pub Insurance

Insurance for Pubs

an insurance policy for pubs

At The Insurance Octopus, our personalised business insurance policies are designed to allow you to add, remove, increase or decrease all areas of your insurance policy. With the help of our specialists, you be can put together a bespoke pub insurance policy to the way you want it; all the essential cover you will need in one business insurance policy.

Being a professional publican, you won’t want to worry about the possible loss, damage or theft from your pub or bar, or expensive claims as a result of an employee or customer being injured within your premises. Working in a profession that has many potential associated risks, a tailored business insurance policy for your pub will ensure you are financially protected.

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

What your Pub Insurance Policy includes

typical insurance covers for a pub

Public Liability cover

Public Liability cover protects you if one of your customers is injured, or their property is damaged. This protects you against the cost of repairs or any legal proceedings that may be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request subject to terms and conditions.

Employers Liability insurance

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

Contents cover

Contents cover can protect trade contents, stock, customer goods, staff and customers personal effects, fixtures and fittings, computer and electronic business equipment. Malicious damage and theft can also be included.

Loss of Licence cover

Loss of Licence covers you for loss of your licence due to a circumstance outside of your control.

Business Interruption, Cash on Premises, Personal Assault or Employee Assault, and Legal Expenses can all be added on and increased or decreased as required, making sure your pub insurance matches your needs. The Insurance Octopus can also insure the pub building giving you complete cover and peace of mind – get in touch for more information.

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

Benefits of having Pub Insurance

a pub filled with customers

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 serve food, a customer may decide they have suffered ill health arising 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 public house.

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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 Licensed/non-licenced 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