Insurance for the
great British pub.
Free houses, tenanted pubs, gastropubs and craft taprooms. We build cover around the trade you actually do — not the trade an algorithm thinks you do.
Built by people who've worked the bar.
Cellars that flood on Christmas Eve, listed inns clipped by lorries, beer gardens that turn into wedding venues overnight — we've seen the trade from both sides. The trade is yours. The cover is ours.
- 01Brokers who've pulled pints, not just quotes
- 02Specialist underwriters at Lloyd's of London
- 03Loss adjusters on site within 48 hours
- 04One renewal date, one named broker
Built for everything behind, under and around the bar.
Buildings
Bricks, beams and beer cellars.
Full reinstatement cover for the pub building, outbuildings, beer gardens and tenants' improvements — including listed and timber-framed properties that high-street insurers shy away from.
Read more →Contents & stock
From the back-bar gantry to the cellar.
Protect contents, electronic business equipment, sound & lighting rigs and wet & dry stock against fire, theft and accidental damage — including deterioration of frozen and chilled goods.
Read more →Public & products liability
Up to £10m within a single quotation.
Cover for injury or damage to customers, suppliers and members of the public — including slips, trips and incidents in beer gardens, function rooms and at external events. An Excess of Loss layer takes the limit up to £10m where you need it.
Read more →Employers' liability
Required by law. Built in.
£10m of employers' liability cover for everyone on the payroll — full-time, part-time, casual and the kitchen porter you took on last Friday.
Read more →Business interruption
Keep the tills ringing after a closure.
Replaces lost gross profit when an insured event forces you to shut — covering wages, rent and the trade you'd otherwise miss. Combined MD/BI sums insured up to £20m per location.
Read more →Loss of licence
If the licence goes, the trade goes.
Indemnity for the reduction in property value and lost trade should the premises licence be forfeited, refused or suspended through no fault of the licensee.
Read more →
A real broker on the line, not a call centre.
Talk to a specialist who knows the licensed trade — cover placed properly, questions answered plainly.
0330 50 2088Talk to a broker
A sector worth insuring properly.
