Pub & Restaurant Insurance

As a pub or restaurant owner, you face a range of risks that could seriously impact your business if you’re not properly insured. From public liability claims if a customer is injured on your premises to the financial consequences of losing your licence or being forced to close due to an insured event, having the right insurance cover in place is essential.

Your pub insurance policy should be tailored to protect your specific business operations, providing cover for your buildings and contents, stock, public liability, and any other important covers you need to run your pub or restaurant with confidence.

Generic insurance policies may not provide all the protection your pub or restaurant needs, which is why it’s essential to tailor your cover to your specific sector. For example, you may attract different types of customers at different times, or offer live entertainment. Your cover requirements will vary, so the more bespoke your policy, the better. Use our quote tool to compare covers from a wide range of insurers and find the right business insurance for pubs to suit your needs.

Every day your doors are closed represents lost revenue. That’s why it’s crucial to have business interruption cover in place. This can provide compensation for lost profits until you’re able to reopen, subject to your property being damaged due to an insured event or reasons beyond your control. Your insurer will cover any period of closure and compensate you for lost profits until you can resume normal business operations.

Insurers will consider factors such as the value of your business premises, the number of staff you have, the level of cover you need, and any claims you’ve made in the past five years. They may also assess the number of customers, the type of pub or restaurant, and the range of perils you need cover for, to determine the level of risk and calculate your premium.

There are several ways to potentially reduce the cost of your insurance premiums, such as:

• Increasing your excess (the amount you pay towards a claim)
• Implementing comprehensive health and safety measures to minimise risks
• Ensuring your premises are secure with appropriate fire and security measures in place
• Maintaining a good claims history by managing risks effectively

Calculate the total rebuild cost of your pub or restaurant premises. This will tell you how much buildings insurance cover you’ll need in case the worst happens. Work out how much it would cost to replace all your contents, fixtures, fittings, and stock. This will ensure you have adequate contents insurance and stock insurance in place for every eventuality.

While this depends on your specific needs, standard insurance for pubs will likely include liability cover, which provides coverage for any injuries sustained by members of the public on your premises—one of the most important covers for your business. It will also typically include buildings insurance to protect your premises, contents insurance, stock insurance in case goods are lost or damaged, loss of licence cover, and deterioration of stock insurance. Tailor-made packages for pubs and restaurants can also include business interruption cover, goods in transit cover, and employers’ liability insurance (a legal requirement if you have staff).

At Brisco Business, we understand that every pub and restaurant is unique, with its own specific insurance needs. By comparing public house insurance quotes from our selection of trusted insurers, you can find the right insurance policy at a competitive price, with all the important covers for pubs included in one comprehensive policy. 

Alternatively, you can use an insurance comparison service to find insurance solutions.

If you need to make a claim on your insurance policy, it’s important to follow the correct procedure as outlined in your policy documents. This typically involves notifying your insurer as soon as possible after the incident, providing details of the claim, and submitting any relevant documentation or evidence.

Your insurer will then assess the claim and, subject to the full terms and conditions of your policy, provide cover or compensation as appropriate. It’s important to keep accurate records and cooperate fully with your insurer to ensure a smooth claims process.