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Pub Equipment & Stock Insurance: Avoiding Hidden Risks for UK Pubs
Running a pub in the UK can bring a unique set of challenges, especially when it comes to protecting essential equipment and valuable stock. Pubs…
PubInsurance
Pub Insurance
Public liability, employers’ liability and loss of licence cover built for pubs, wet-led, food-led or somewhere in between.
Public liability, employers’ liability and loss of licence cover built for pubs, wet-led, food-led or somewhere in between.
Cellar contentsLoss of licenceCustomer injury
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is pub insurance?
Pub insurance is a combination of covers built around running licensed premises, public liability for customer injury, employers’ liability if you have staff, and cover for the added risk that comes with serving alcohol to the public every day.
Your premises licence application will usually ask for proof of public liability cover, and if you sell alcohol, loss of licence cover is worth considering alongside it.
Pub insurance can include:
Public liabilityEmployers’ liabilityLoss of licence coverBusiness interruptionBeer garden and outdoor spaceBuildings cover, freehold or leasehold
What matters most for your pub?
What matters most for your pub?
Most pubs need public liability and employers’ liability as standard, then add loss of licence, stock or entertainment cover depending on how the pub operates.
Most pubs need public liability and employers’ liability as standard, then add loss of licence, stock or entertainment cover depending on how the pub operates.
Protect customers & staff
Public liability and employers’ liability.
Protect your licence
Loss of licence and legal expenses cover.
Protect your stock
Cellar, drinks stock and kitchen equipment.
Protect your income
Business interruption if you have to close.
Cover your beer garden
Outdoor space and seasonal use.
Core cover for your pub
Public Liability
Covers claims if a customer or member of the public is injured or their property is damaged.
Employers’ Liability
A legal requirement once you employ any staff, even casual bar work.
Loss of Licence
Protects your income if your alcohol licence is suspended or withdrawn.
Stock & Cellar
Covers drinks stock, cellar equipment and kitchen supplies.
Business Interruption
Helps with lost income if an insured event stops you trading.
Getting your pub licensed and insured
Getting your pub licensed and insured
Wet-led or food-led pub?
Your cover should reflect how your pub actually makes money, not just that you serve drinks.
Your pub may need extra cover if it involves:
A working kitchenLive music or entertainmentA beer garden or outdoor areaAccommodation or letting roomsRegular events or functionsMultiple bars or sitesHow much does pub insurance cost?
There’s no fixed price. It depends on whether you’re wet-led or food-led, your staff numbers, whether you offer entertainment and your claims history.
Wet-led or food-led
A kitchen and food service add product liability risk.
Loss of licence cover
Adding this cover increases your premium but protects your income.
Number of staff
More employees increase your employers’ liability exposure.
Level of cover
Higher public liability limits increase your premium.
Entertainment
Live music or events can affect your risk profile.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting pub insurance takes four steps: tell us about your pub, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting pub insurance takes four steps: tell us about your pub, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your pub
Wet-led, food-led, and whether you sell alcohol.
2
Tell us what you need
Which covers matter most to you.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Pub insurance guides
Pub insurance guides
Premises licences, live events and protecting cellar stock.
Premises licences, live events and protecting cellar stock.
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Pub Insurance UK: Essential Covers from Public Liability to Stock & Equipment
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Top 7 Pub Insurance Extras: Employers’ Liability, Glass & Fire Cover Explained
Running a pub in the UK often involves managing more than just the day-to-day trade. From public safety and staff protection to the safeguarding of…
Pub insurance FAQs
Pub insurance FAQs
Straight answers on cover, loss of licence, licensing and cost.
Straight answers on cover, loss of licence, licensing and cost.
Pub insurance is a combination of covers built around running licensed premises: public liability for customer injury, employers’ liability if you have staff, and cover for the added risk of serving alcohol to the public.
Still have questions?
Our advisers are here to help you find the right solution.