Pub Insurance

Pub Insurance with Prosura

As a publican, you face a number of liabilities that you need to be protected against.

There’s a building to insure, contents, money and stock to cover, a licence to protect, and patrons to safeguard.

Our specialist pub insurance brokers understand the variety of risks you’re exposed to and how to get the very best pub insurance quotes to meet your requirements. Please contact us today and we’ll get your cover in place in no time.

What you need to know about Pub Insurance

Pub business insurance is for anyone who owns or runs a public house. But within that, there are a range of considerations to be made, which will ensure you have the right policy for your venue.

The insurance requirements for a thatched pub serving food in the Cotswolds are going to be very different to those of a large city centre pub with a late license and football showing on the big screens. You may offer accommodation or have an unsupervised children’s play area. Your business is unique – we’ll protect it with you.

Prosura are all about providing cost effective cover, friction free. But most importantly, the cover needs to be right for your business, so you can get back to the bar, knowing your protected.

What is Pub Insurance?

Pub insurance is a package of business insurance that will protect your business and its assets from the risks it’s exposed to. It’s typically formed of a number of different covers, including:

  • Employers’ liability insurance

All employers are legally obliged to have employers’ liability insurance. This will help to pay compensation and legal fees should one of your team become ill or injured as a result of the work they do for you. That includes casual and part time bar staff, as well as cooks, cleaners and your management team.

  • Public liability insurance for pubs

Pub public liability insurance serves to protect your business from the cost of legal expenses and compensation payments should a third-party make a claim for loss or damages as a result of your business activity.

This could be an incident such as a customer slipping on a wet floor and making a claim against you having suffered an injury.

What else do I need to consider with Public House Insurance?

The particulars of your pub insurance policy will depend on the individual requirements of your business.

Perhaps you host functions and events at your pub and require adequate cover for these. Or maybe you have a late licence and security staff to include in your policy.

Our experienced pub insurance brokers will work with you to understand the cover best suited to your needs. Some of the additional pub insurance extras we can arrange include:

  • Buildings insurance
  • Pub contents insurance (to include a beer garden, if applicable)
  • Loss of licence (and protection for a late licence, if applicable)
  • Fixtures and fittings
  • Money and stock cover (for wine, spirits and frozen food)
  • Product liability
  • Event cover (e.g. for live music or functions)
  • Security guard cover
  • Business interruption

What does Pub Insurance cost?

The average cost of pub insurance will vary depending on a number of factors. The size of your premises, its structure, fixtures and fittings, location and claims history will all impact your pub insurance cost.

To get the most competitive pub insurance quotes it’s best to use a broker such as Prosura. We work with a wide range of high quality insurers, which means we can create a bespoke package with adequate cover, at the right price.

Why use Prosura to get Pub Insurance Quotes?

Prosura prides itself on being an independent insurance broker, with access to a broad range of insurers to curate a tailored product that’ll meet your exact requirements.

Our high-quality, cost-effective pub insurance policies are built on years of experience and in-depth industry knowledge, delivered to you in a simple, jargon-free way.

We also give all our Pub Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.

For the best pub insurance, contact the specialist pub insurance brokers at Prosura today.

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