Pub Insurance

Licensees need peace of mind to focus on giving their customers the best possible service. We can help you find the right price for pub cover which can include business interruption, loss of money and stock.

  • As one of the UK’s leading brokers of licensed trade insurance, we have access to a wide range of insurers and policy benefits to meet your needs.
  • Some of the properties we can cover include pubs, bars, night clubs, entertainment venues, and one off events.
  • We understand the cover requirements of your business and work with you to obtain the correct cover at a competitive price.

Get a public house insurance quote online in minutes

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Got a special request? Call our team to see what they can do for you.

0344 346 0537
01493 845 305

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Towergate sources specialist business insurance policies designed for licensed venues to cover the risks that publicans and licensees face.

Public Liability

We can provide a commercial property insurance cover of up to £5,000,000 for sums you become legally liable to pay in respect of accidental injury to 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 or supplied by your business.

Employers' Liability

This 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.


Events and entertainment are activities that may just be noted on your policy, although sometimes they can require extra cover. However you hold events, it is vital that you discuss your plans with your insurer. Even if the insurance doesn’t cost you any extra, you must have it noted on the policy. There are very few business around today that can afford a liability compensation claim without public liability insurance. The trick is to give as much information as you can during your quote. This way you only need to call you insurer as the situation changes.

Contents insurance for pubs

Contents insurance covers 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 public house if you own the building.

Pub Insurance Claims

Towergate have many years' experience working together with pubs and licensed trade venues. We not only understand your industry and the risks involved, but also the subtle differences from one business to the other and are experts in finding the best service for you.

You will also deal direct with your insurer should you need to make a claim. This cuts out any unnecessary steps and gets your claim handled as swiftly as possible. Even then we're still here to help you and see your claim is settled at the earliest opportunity by the insurer.

Need to make a claim?

Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

01493 845305

Pub Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your pub insurance.

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Pub Insurance Guide

Our pub insurance is an umbrella service for all licensed venues including pubs, bars, nightclubs and entertainment venues. But what are the specifics that you need to be...

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The great British pub has been the centre of our communities for centuries. As providers of specialist pub insurance and restaurant insurance we have come up with the following interesting facts:

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Business Insurance Checklist

Business insurance can be tricky at times and often people don’t understand what they need, where to go to get the correct advice, or sometimes, even what is legally required! We would always recommend speaking directly with a specialist business insurance broker before getting covered but this list of pointers here can help you understand what you can do personally too, to help get the best insurance for your business.

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Using Word-of-Mouth Marketing For Your Business

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Pub Insurance FAQs

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 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 an incident that result in loss or damage to a third party while on your premises.
-Loss of licence.
-Personal accident.
-Your household contents if you live at the premises.

Why do I have to declare my annual turnover?

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

We have trouble obtaining quotes for our business 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 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.

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.

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