Public House Insurance
Public House Insurance
Whether you own a traditional public house or a sports bar, a gastropub or a cocktail bar, accidents can and will happen. Coupled with the rules and regulations surrounding premise licences, there is a lot that can go wrong if not handled diligently and correctly. That is why it is important to ensure you have the correct Public House Insurance in place to prevent having to pay hefty financial penalties.
By protecting your business, you can focus on continuing its success rather than worrying about potential fallouts. In addition, organisations such as the British Institute of Innkeeping require you to have full Liability Insurance before obtaining membership.
What is included in Pub Insurance?
Like many commercial insurances, there are a handful of standard, general policies. These tend to be required if you are wanting to join an accredited organisation, such as the BII, to show that you are adhering to regulations and protecting the premises, customers, and staff. They include:
Other covers that are included in a standard Public House Insurance policy are:
- Property Insurance (buildings and contents)
- Loss of Licences
- Stock Including Target Stock (Wines and Spirits)
- Deterioration Of Stock
- Business Interruption
- Loss of Attraction
- Money Cover
What can I add to Public House Insurance?
Insurance policies are as wide ranging and varying as types of pubs themselves, which is why our brokers have years of experience tailoring policies to each individual business. Start running an open mic night? Host events for local groups? Let your broker know so they can advise you on the suitability of optional covers.
Optional covers for Public Houses include, but are not limited to:
- Seasonal Stock increases
- Directors’ and Officers’ Liability
- Professional Indemnity
- Cyber
- Personal Accident
- Commercial Vehicle
- Good in Transit
Why choose Konsileo for your Public House Insurance?
As an independent commercial insurance broker, our Client Directors have years of experience dealing with and providing advice for a wide range of Public House businesses. They appreciate the subtle differences between businesses and tailor policies accordingly, ensuring the best protection so you can continue running your business for years to come.
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Public House Insurance - Frequently Asked Questions
Public House Insurance is suitable for traditional pubs, gastro pubs, free houses, tenanted pubs, licensed inns, sports bars, micro pubs and village pubs, whether owner-operated or managed.
Pubs face unique risks, including serving alcohol, customer injuries, kitchen fires, cellar equipment failure, theft, food safety incidents and property damage. Specialist Pub Insurance is designed to protect against these hospitality-specific risks.
Yes. Many policies cover stock such as alcoholic drinks, food, soft drinks and frozen goods against insured events like fire, theft and accidental damage. Cover for refrigerated stock following equipment failure may also be available.
Yes. Policies can include cover for pumps, cellar cooling systems, refrigeration units, kitchen equipment, tills, glass washers, coffee machines and other essential business equipment. Equipment Breakdown Insurance may also be available.
Common risks include fire, theft, customer injury, food poisoning claims, equipment breakdown, loss of refrigerated stock, flooding, malicious damage, employee accidents, business interruption, cash theft and legal disputes.
Yes. Policies can be tailored to suit traditional pubs, gastro pubs, bars with live entertainment, restaurants with licensed premises, country inns and venues offering accommodation, ensuring your insurance reflects your business activities.