Every line of cover a pub actually needs — and a few it didn't know it did.
Each policy is hand-written by a broker who's spent time on the other side of the bar. Mix and match the cover below into a single, manageable schedule.
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.
Full details →02 / 06Contents & 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.
Full details →03 / 06Public & 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.
Full details →04 / 06Employers' 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.
Full details →05 / 06Business 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.
Full details →06 / 06Loss 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.
Full details →Terms for almost any public house.
From street-corner locals to gastro destinations with letting rooms — if it pours a pint, we can quote it.
- Family pubs
- Gastro pubs with full cooking facilities
- Entertainment pubs and live music venues
- Pubs with outdoor play areas and beer gardens
- Microbreweries (up to 50% of sales)
- Pubs with activities — darts, pool, quiz nights
- Coaching inns with up to 10 letting rooms
- Late-opening pubs (typically closing by 1am, 2am weekends)