Pub Insurance

Pub Insurance

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Running a pub comes with great rewards but also risks. Make sure your business is protected with the right insurance coverage from Brisco Business. With over 30 years of experience providing pub insurance across the UK, we can help you get the protection you need.

Why Your Pub Needs Business Insurance

Owning and operating a pub exposes you to a wide range of risks on a daily basis. Accidents or incidents can happen when you least expect them. Without insurance, any incidents could lead to major disruption, lost revenue, and even the closure of your business. The right insurance helps provide protection and peace of mind, so you can focus on running your establishment.

Types of Pub Insurance Cover

There are a few key types of cover we recommend for pubs and bars:

Public Liability Insurance

This covers any injuries to members of the public or damage to their property that occurs inside or outside your premises as a result of business activities. It covers legal costs and compensation payouts up to the policy limit. This is one of the most important covers to have.

Employers Liability Insurance

It is required by law if you have staff. It provides cover for any injury or illness that occurs to employees in the workplace due to negligence.

Premises and Contents Insurance

Insures against damage to your building and everything inside from causes like fire, flooding, vandalism and more. It covers repairs or replacing contents like furniture, fixtures, stock, etc.

Business Interruption Cover

It covers loss of earnings if your licensed premises is forced to temporarily close due to insured incidents like damage and power outages. Keeps you afloat until you get back on your feet.

Loss of Licence Insurance

Provides financial support if your liquor licence gets revoked due to reasons outside of your control. It covers the loss of revenue until you get it reinstated or sell the pub.

Goods in Transit Insurance

Covers items damaged or lost when being transported between locations.

Why Brisco Business for Your Pub Insurance?

With decades of experience providing tailored policies for pubs across the UK, Brisco Business has the knowledge and expertise to make sure you get the right protection. Here’s why you should consider us for your insurance needs:

We Offer Flexible Cover

No two pubs are exactly alike. That’s why we offer tailored coverage that can be adjusted to suit your unique business requirements, size and activities.

We Make it Easy

Getting a quote and setting up a policy is quick and simple via our website or over the phone. No hassles or paperwork.

We Have Competitive Rates

As specialists, we have partnered with leading UK insurers to secure competitive rates on pub insurance policies.

Award-Winning Claims Service

You’re in safe hands if the worst happens. Our friendly claims team has won awards for providing fast, supportive service.

We Are Local Experts

With regional offices across the country, we provide dedicated support for meeting local business needs right across the UK.

Get Covered Today!

As experienced pub insurance providers, we make it simple to get covered and protected.

Brisco offers a streamlined way to secure insurance compared to Pub Insurance brokers. Our platform allows you to compare quotes from leading insurers effortlessly, ensuring you find the ideal coverage at competitive rates. Save time, money, and hassle while using our platform to find the right insurance for your specific needs.

We partner with some of the UK’s most trusted pub insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

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What insurance does a pub legally need?

As a pub owner, having the right insurance is crucial to protect your business from potential risks. Employers’ liability insurance is a legal requirement if you have staff, covering the cost of compensation claims arising from employee illness or injury. 

Public liability insurance is also strongly recommended to safeguard against claims from customers or third parties. Additionally, consider business interruption insurance to cover lost income due to unforeseen events, and deterioration of stock insurance to protect against spoilage. 

While not legally mandated, these policies provide comprehensive coverage for your pub.

Does my existing business insurance cover my new pub?

When venturing into the pub business, it’s crucial to ensure you have the right insurance in place. Your existing business insurance may not provide adequate coverage for the specific risks associated with running a pub. 

Specialist public house insurance is often required by insurers, as it offers tailored protection for your establishment. This includes essential elements such as public liability cover, buildings and contents insurance, and stock insurance. Don’t assume your current policy will suffice; consult with an experienced broker to secure comprehensive insurance for your pub.

I have a country pub – what insurance do I need?

When running a country pub, it’s crucial to have insurance designed to protect your business. Public house insurance quotes typically include cover for your premises, contents, and business interruption. 

Additionally, public and product liability insurance is essential to safeguard against claims from customers. If your pub offers food delivery, consider goods in transit cover. Furthermore, if you have any livestock or additional buildings on your property, you may need specialised insurance for those as well. Comprehensive coverage ensures your country pub is protected against various risks.

Do I need insurance for live entertainment at my pub?

When hosting live entertainment at your pub, it’s crucial to have the appropriate insurance cover. Standard policies often fall short in addressing the unique requirements that come with live performances. Failing to secure proper coverage could leave you vulnerable to financial losses if property is damaged, injuries occur, or copyright infringement claims arise. Pubs should consider specialised insurance options tailored to live entertainment to mitigate potential risks. Speak with an experienced insurance provider to ensure your pub is adequately protected when featuring live bands, DJs, or other performers.

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