What Is Pub Insurance?
Is there anything better than providing your customers with a pint, glass or dram of their choice on a hot summer’s day? Whether you run a town pub, sports pub, country pub or riverside pub, we can ensure your customers, and business, are protected, with our range of pub insurance policies. We can create useful packages for a variety of publicans – including those who manage dining pubs, backstreet locals and chains, and ensure you have the right level of cover. With The Insurance Octopus, you can mix and match the cover you want, only paying for what you need. With a panel of multiple insurance partners, and a supportive team that only has your best interests at heart, we provide you with the best deals out there, that are tailored to your business.
You could have a quote in the time it takes to pour two pints. Simply fill in our quote form, request a call back, and we’ll take you through the process, and what’s available. Policy updates are easy too, and we’ll never charge you for any administration fees for mid-term adjustments either.
Loss of Licence Cover
In law, selling alcohol requires a licence, without which, you could face fines, and even prison. With this cover, loss of earnings can be recuperated, should your license be withdrawn, subject to your insurer’s specific terms and conditions.
Personal Effects Cover
Live on site? Have personal belongings you’d like to keep safe? Contents cover can do just that, should they be stolen or damaged at your pub.
Public Liability insurance
Word-of-mouth travels fast, and you don’t want customers feeling down about their experience. This policy provides compensation for any injury or damages that occur at your pub due to negligence, with standard levels starting from £1m.
Product Liability Insurance
Food poisoning and other illnesses caused by your food and drink can truly harm customer health. Their support can be covered by this policy, and is available up to £5m.
Arranging insurance for your Pub is easy
Our insurance for pubs has been designed to allow you to add, remove, increase or decrease all areas of your insurance policy, with no midterm fees payable. With the help of our experts, you 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.
With cover available to protect you from certain risks such as:
- Assaults on your staff
- Theft within your business premises
- Food poisoning
- Staff injuries during work
Pub Insurance FAQs
How can I protect my pubs stock?
If you are looking to protect your pub from loss of stock due to damage or theft, contents cover policy is ideal. Every pub owner knows how important stock is to trading successfully. Without it, your business will likely suffer a large loss in profits. In an event such as a flood or fire your insurance policy will make it possible for you to replace your stock along with covering any damaged contents.
Can you cover me if I lose my licence?
If you lose your licence to sell alcohol due to a circumstance outside of your control, our loss of licence cover will provide you with adequate protection. As licensing laws become more detailed it can result in increased risks for pubs, which could end in a licence being revoked. It is possible to take out insurance which will cover your business against losses from the revocation of a licence.
How much should pub insurance cost?
We know that every pub is different, which is why our insurance allows you to tailor your cover to suit your exact needs. Our expert pub insurance team will ensure you have a business insurance policy which is competitively priced yet offers comprehensive cover. We understand that pubs face a variety of risks, so will work hard to arrange a cost-effective policy.
Dedicated Insurance designed to protect your Pub
& Licensed business premises from a wide array of risks.
Quick quality cover
Get quick quality cover all in one policy. While we can’t stop unfortunate events such as fires and theft from happening, we can help you find a business insurance policy that provides the right financial protection for your public house.
Pub insurance claims
If the worst happens and you need to claim on your pub insurance policy, then The Insurance Octopus are on hand to help. We will put you in touch with your insurer and look to assist you with your claim wherever possible, to get you and your pub back on your feet.
Why choose The Insurance Octopus for Pub Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen – with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We’ll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How pub insurance works
Examples of Pub Insurance in action
A nasty taste
A pub faced action from food standards authorities after many diners suffered from food poisoning following a Christmas Day meal. It later transpired that the kitchen staff had not handled food correctly and had also falsified records to avoid detection. Although the rogue staff was responsible, the company still faced substantial payouts over the incident. The product liability insurance that was already in place covered what would otherwise have been a very large payout that could have easily led to the closure of the business.
Other types of Hospitality Insurance we can provide
Get Pub Insurance off your to do list
Help protect and grow your business with tailor made Pub and Hospitality insurance from The Insurance Octopus
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