Pub & Restaurant Insurance

Generic insurance policies may not provide all the protection you need which is why you need to tailor it to your specific sector. For example, you may attract different types of customers, at different times. Cover requirements will vary for each business so the more bespoke a policy can be, the better.  You can use our quote tool to get quotes and compare covers from a wide range of insurers.

Every day your doors are closed represents lost revenue. That’s why it’s so important to cover for any interruption to your business. This can keep money coming in until you’re ready to reopen.  Subject to your property being damaged, any period of closure will be covered by your insurer and you will be compensated for lost profits until you are able to trade again.

Firms will look at the value of your property, the number of staff you have, the level of cover you want and how many claims you have made in the past five years. They may also look at the number of customers and type of restaurant to assess how big a risk you might be.

Calculate the total rebuild cost of your restaurant or pub. This will tell you how much cover you will need in case the worst happens. Work out how much it will cost to replace all your contents. This will ensure you have adequate cover in place for every eventuality.

While this depends on a few factors, your standard policy for your pub/restaurant will likely include public liability insurance which provides cover for any injuries sustained to customers on your premises. This is one of the most important covers for your business. It will also include things like buildings insurance to protect your premises and stock insurance in case it is lost or damaged. Loss of licence and deterioration of stock cover is also important for pubs and restaurants and tailor made packages for pubs and restaurants will provide these covers for you.