Pub Insurance

Buildings, business interruption, loss of money and stock insurance for your pub. A wide range of insurers to suit your needs – from a single package pub insurance policy to flexible, comprehensive cover.

About Pub Insurance

Shield

Wide range of pub insurers

Access to a wide range of insurers for pub cover, to suit your needs.

Flexibility

Pub insurance to suit you

We will take the time to understand the specifics of your business and tailor our recommendation accordingly.

Liability

Flexible optional covers available

Optional covers available including damage to fixed glass and sanitaryware, risk management services, legal cover and loss of licence.

Direct Debit

Pay by Direct Debit

Split your pub insurance payments into equal monthly instalments.

Features of Pub Insurance

Standard cover

Public liability and employers' liability insurance for pubs

Provides cover up to to £5,000,000 for sums you become legally liable to pay in respect of accidental injury you any person or accidental loss or damage to their material property happening in the course of your business or caused by the nature or condition of anything sold for which you’re legally liable. Our employers' liability cover can provide up to £10,000,000 for sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to an employee for which you are legally liable.

Free risk management guidance with your pub insurance

Free with your pub insurance, the Towergate Risk Management web portal helps you keep your pub compliant with health and safety, HR, business continuity and driving risks. It offers automatic updates about any changes made to regulations and guides you to any gaps that need addressing in your existing health and safety arrangements. It also provides access to free online downloads about effective risk assessment.

Add entertainment cover to your pub insurance policy

Events and entertainment are activities that sometimes require extra cover. If you hold events, it is vital that you discuss your plans with your insurer. Even if the cover doesn’t cost you any extra, you must have it noted on your pub insurance policy. Very few businesses can afford to be without public liability insurance in the event of a liability compensation claim. If you give us as much information as you can during your quote, you only need to call your insurer if and when the situation changes.

Contents insurance for pubs

Pub insurance contents cover includes your fixtures and fittings, equipment, and stock against a range of perils; including explosion, fire, storm damage, malicious damage and theft involving forcible and violent entry or exit from the premises. It also covers against the leakage of beer & beverages from pumped containers and subsequent damage to contents, as well as a range of other perils specific to your trade. We can additionally provide building insurance for your pub if you own the building.

Pub Insurance FAQs

Question

What establishments can I cover under your pub insurance?

Answer

We can cover properties and occasions, including pubs, bars, night clubs, entertainment venues and one-off events.

What do I have to insure under a licensed trade policy?

By law, you must have employers' liability insurance (assuming you have any staff).

What is it advisable to insure my pub for?

·       Insurance for your assets, including bar/kitchen equipment, fixtures and fittings, tenants’ improvements and, of course, the buildings if required

·       Insurance to protect the business profits from business interruption

·       Insurance against third-party liability, i.e. if you are legally liable to pay for an incident which results in loss or damage to a member of the public while on your premises

·       Loss of licence

·       Personal accident

·       Your household contents if you live at the premises

 

Can you offer cyber insurance for my pub?

Yes, we can extend your pub insurance to cover business risks from cyber-crime.

Is commercial post loss recovery available through your pub insurance?

Yes, you can extend your licensed trade insurance policy to cover this by adding Towergate Assist. It covers the costs of an independent loss adjuster to help with the preparation, negotiation and settlement of your material damage and business interruption claims. This helps ensure that the entire process is handled quickly, fairly and without unnecessary stress.

When disaster strikes, a quick effective response can be vital to keep you in business. The service is available 24 hours/365 days a year and gives you telephone advice and assistance for all claims and a personal visit on all major losses likely to exceed your policy excess or £5,000 (whichever is greater).

Why do I have to declare my pub's annual turnover?

This enables us to determine the premium of your pub insurance policy and helps us check that your profit is insured adequately for business interruption.

We have trouble obtaining pub insurance quotes as we open late and/or provide entertainment at our premises. Can you help?

Not all insurers will insure absolutely everything. However, because we have more than one facility, we will try to find an insurer who will understand and accept your risk.

If I find a lower pub insurance quote, will you match or better it?

We will do our best! Subject to full details of the quote and the pub insurance provider you have received it from.

What does the Towergate Risk Management portal with my pub insurance offer?

·       24/7 access to your personal health and safety expert

·       Alerts and updates about current and future legislation

·       Help with building your health and safety policy with the online questionnaire

·       Notification of industry specific health and safety news

·       Tips on how to reduce risk, maintain staff welfare and stay profitable

·       Advice on how to manage your driving risks

 

Are there any notable exclusions?

Full terms and conditions are available on request from your Towergate advisor, and in pub insurance policy documents.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Question

Do I need caravan insurance

Answer

Yes you do, buy it now

Question

Do I need caravan insurance

Answer

Yes you do, buy it now

Question

What do I have to insure under a licensed trade policy?

Answer

By law, you must have employers liability insurance (assuming you have any staff).

Question

What is it advisable to insure my pub for?

Answer
  • Insurance for your assets, including bar/kitchen equipment, fixtures and fittings, tenants’ improvements and, of course, the buildings if required
  • Insurance to protect the business profits from business interruption
  • Insurance against third-party liability, i.e. if you are legally liable to pay for an incident which results in loss or damage to a member of the public while on your premises
  • Loss of licence
  • Personal accident
  • Your household contents if you live at the premises

 

Can you offer cyber insurance for my pub?

Yes, we can extend your pub insurance to cover business risks from cyber-crime.

Is commercial post loss recovery available through your pub insurance?

Yes, you can extend your licensed trade insurance policy to cover this by adding Towergate Assist. It covers the costs of an independent loss adjuster to help with the preparation, negotiation and settlement of your material damage and business interruption claims. This helps ensure that the entire process is handled quickly, fairly and without unnecessary stress.

When disaster strikes, a quick effective response can be vital to keep you in business. The service is available 24 hours/365 days a year and gives you telephone advice and assistance for all claims and a personal visit on all major losses likely to exceed your policy excess or £5,000 (whichever is greater).

Why do I have to declare my pub's annual turnover?

This enables us to determine the premium of your pub insurance policy and helps us check that your profit is insured adequately for business interruption.

We have trouble obtaining pub insurance quotes as we open late and/or provide entertainment at our premises. Can you help?

Not all insurers will insure absolutely everything. However, because we have more than one facility, we will try to find an insurer who will understand and accept your risk.

If I find a lower pub insurance quote, will you match or better it?

We will do our best! Subject to full details of the quote and the pub insurance provider you have received it from.

What does the Towergate Risk Management portal with my pub insurance offer?

·       24/7 access to your personal health and safety expert

·       Alerts and updates about current and future legislation

·       Help with building your health and safety policy with the online questionnaire

·       Notification of industry specific health and safety news

·       Tips on how to reduce risk, maintain staff welfare and stay profitable

·       Advice on how to manage your driving risks

 

Are there any notable exclusions?

Full terms and conditions are available on request from your Towergate advisor, and in pub insurance policy documents.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Question

What establishments can I cover under your pub insurance?

Answer

We can cover properties and occasions, including pubs, bars, night clubs, entertainment venues and one-off events.

What do I have to insure under a licensed trade policy?

By law, you must have employers' liability insurance (assuming you have any staff).

What is it advisable to insure my pub for?

·       Insurance for your assets, including bar/kitchen equipment, fixtures and fittings, tenants’ improvements and, of course, the buildings if required

·       Insurance to protect the business profits from business interruption

·       Insurance against third-party liability, i.e. if you are legally liable to pay for an incident which results in loss or damage to a member of the public while on your premises

·       Loss of licence

·       Personal accident

·       Your household contents if you live at the premises

 

Can you offer cyber insurance for my pub?

Yes, we can extend your pub insurance to cover business risks from cyber-crime.

Is commercial post loss recovery available through your pub insurance?

Yes, you can extend your licensed trade insurance policy to cover this by adding Towergate Assist. It covers the costs of an independent loss adjuster to help with the preparation, negotiation and settlement of your material damage and business interruption claims. This helps ensure that the entire process is handled quickly, fairly and without unnecessary stress.

When disaster strikes, a quick effective response can be vital to keep you in business. The service is available 24 hours/365 days a year and gives you telephone advice and assistance for all claims and a personal visit on all major losses likely to exceed your policy excess or £5,000 (whichever is greater).

Why do I have to declare my pub's annual turnover?

This enables us to determine the premium of your pub insurance policy and helps us check that your profit is insured adequately for business interruption.

We have trouble obtaining pub insurance quotes as we open late and/or provide entertainment at our premises. Can you help?

Not all insurers will insure absolutely everything. However, because we have more than one facility, we will try to find an insurer who will understand and accept your risk.

If I find a lower pub insurance quote, will you match or better it?

We will do our best! Subject to full details of the quote and the pub insurance provider you have received it from.

What does the Towergate Risk Management portal with my pub insurance offer?

·       24/7 access to your personal health and safety expert

·       Alerts and updates about current and future legislation

·       Help with building your health and safety policy with the online questionnaire

·       Notification of industry specific health and safety news

·       Tips on how to reduce risk, maintain staff welfare and stay profitable

·       Advice on how to manage your driving risks

 

Are there any notable exclusions?

Full terms and conditions are available on request from your Towergate advisor, and in pub insurance policy documents.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Question

Can you offer cyber insurance for my pub?

Answer

Yes, we can extend your pub insurance to cover business risks from cyber-crime.

Question

Is commercial post loss recovery available through your pub insurance?

Answer

Yes, you can extend your licensed trade insurance policy to cover this by adding Towergate Assist. It covers the costs of an independent loss adjuster to help with the preparation, negotiation and settlement of your material damage and business interruption claims. This helps ensure that the entire process is handled quickly, fairly and without unnecessary stress.

When disaster strikes, a quick effective response can be vital to keep you in business. The service is available 24 hours/365 days a year and gives you telephone advice and assistance for all claims and a personal visit on all major losses likely to exceed your policy excess or £5,000 (whichever is greater).

Why do I have to declare my pub's annual turnover?

This enables us to determine the premium of your pub insurance policy and helps us check that your profit is insured adequately for business interruption.

We have trouble obtaining pub insurance quotes as we open late and/or provide entertainment at our premises. Can you help?

Not all insurers will insure absolutely everything. However, because we have more than one facility, we will try to find an insurer who will understand and accept your risk.

If I find a lower pub insurance quote, will you match or better it?

We will do our best! Subject to full details of the quote and the pub insurance provider you have received it from.

What does the Towergate Risk Management portal with my pub insurance offer?

·       24/7 access to your personal health and safety expert

·       Alerts and updates about current and future legislation

·       Help with building your health and safety policy with the online questionnaire

·       Notification of industry specific health and safety news

·       Tips on how to reduce risk, maintain staff welfare and stay profitable

·       Advice on how to manage your driving risks

 

Are there any notable exclusions?

Full terms and conditions are available on request from your Towergate advisor, and in pub insurance policy documents.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Question

Why do I have to declare my pub's annual turnover?

Answer

This enables us to determine the premium of your pub insurance policy and helps us check that your profit is insured adequately for business interruption.

Question

We have trouble obtaining pub insurance quotes as we open late and/or provide entertainment at our premises. Can you help?

Answer

Not all insurers will insure absolutely everything. However, because we have more than one facility, we will try to find an insurer who will understand and accept your risk.

Question

If I find a lower pub insurance quote, will you match or better it?

Answer

We will do our best! Subject to full details of the quote and the pub insurance provider you have received it from.

What does the Towergate Risk Management portal with my pub insurance offer?

·       24/7 access to your personal health and safety expert

·       Alerts and updates about current and future legislation

·       Help with building your health and safety policy with the online questionnaire

·       Notification of industry specific health and safety news

·       Tips on how to reduce risk, maintain staff welfare and stay profitable

·       Advice on how to manage your driving risks

 

Are there any notable exclusions?

Full terms and conditions are available on request from your Towergate advisor, and in pub insurance policy documents.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Question

What does the Towergate Risk Management portal with my pub insurance offer?

Answer
  • 24/7 access to your personal health and safety expert
  • Alerts and updates about current and future legislation
  • Help with building your health and safety policy with the online questionnaire
  • Notification of industry specific health and safety news
  • Tips on how to reduce risk, maintain staff welfare and stay profitable
  • Advice on how to manage your driving risks

Are there any notable exclusions?

Full terms and conditions are available on request from your Towergate advisor, and in pub insurance policy documents.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Question

Are there any notable exclusions?

Answer

Full terms and conditions are available on request from your Towergate advisor, and in pub insurance policy documents.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Question

Where can I find more information about monthly Direct Debit?

Answer

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 01493 845 305 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim