Buildings, fixtures and fittings
The pub structure plus the fixed elements, bar, beer lines, cellar plant, fitted kitchens, signage.
e.g. A traditional inn rebuilt after a cellar fire, structure and fittings replaced under one claim.
Pub cover
Pub Insurance
Pub insurance covering buildings, contents, stock, business interruption and public liability, tailored for tied, free and managed houses across the UK.
Around 2 minutes to startBroker callbackFCA regulated, secure submission
What it covers
A packaged policy for the licensed trade.
Pubs and bars need a packaged commercial policy. Pub insurance combines buildings, fixtures and fittings, stock, business interruption and the liabilities that come with public-facing hospitality.
Stock and business interruption
High-volume liquor and food stock, plus BI cover for the trading loss while the pub is out of action.
e.g. A pub closed for 4 months after flood, wet stock written off, lost takings paid through BI.
Public and employers liability
PL for customers and visitors, EL for the bar and kitchen staff. Standard £5m-£10m cover.
e.g. A customer slips on a wet floor after closing, PL responds to the injury claim.
Tied, free and managed houses
Three pub ownership models, three approaches to cover.
UK pubs fall into three ownership categories. Insurance differs slightly between them, managed houses run on the pubco\'s policy, tied houses often need their own, free houses always do.
Free houses
Independently owned and run, always needs its own full policy across buildings, contents and liability.
Tied tenants
Pubco-owned, tenant-run. Tenant usually needs their own stock, contents and BI cover.
Managed houses
Pubco-owned, employed manager. Usually run on the pubco's insurance.
Gastropubs
Food-led pubs with significant kitchen operation, higher food-stock and product liability needs.
Wet-led pubs
Drink-focused traditional pubs with limited food, often with late licensing.
Inns with rooms
Pubs with letting accommodation, letting rooms added to the schedule.
Live music venues
Pubs with regular gigs, quiz nights or outdoor entertainment, entertainment extension required.
Multi-site pub groups
Independent pub groups running 2-10 sites on a portfolio policy.
When you are ready
Two minutes to start. A broker takes it from there.
Tell us about the pub, model, location, trade type. Specialist hospitality markets including tied tenant, free house and gastropub cover.
Frequently asked
Questions before you click submit.
The questions we hear most often from pub operators.
Often yes. The pubco's policy may cover the building, but the tenant's stock, contents and business interruption usually need separate cover. Check the lease agreement, many tied tenants are surprised to find they need their own pub insurance for the trading side.
Cannot see your question? Speak to a broker on 0800 123 4567.
Why brokers, why us
FCA regulated
Authorised and regulated by the Financial Conduct Authority.
45 years broking
Long-standing relationships across the UK insurer market.
Named broker
A direct line to the same person at quote, renewal and claim.
Independent
No tie-ins. We use the market that fits the pub model.
● Cover that often sits alongside this
Ready when you are
Cover for the licensed trade.
Two minutes to tell us about the pub. Terms back from a specialist hospitality panel. Your named broker on the file from day one.
Two minutes to startSpecialist hospitality panelNamed broker, day one