Pub Insurance is a comprehensive policy designed to protect pub owners from the unique risks associated with running a licensed establishment. Whether you own a traditional pub, gastropub, or bar, this insurance covers everything from property damage to public liability, helping you safeguard your business against accidents, theft, or legal claims. With Pub Insurance, you can focus on serving your customers while knowing your business is fully protected.

Tailored Protection for Pub Owners

Running a pub comes with various responsibilities and potential risks, from dealing with customers and staff to managing stock and equipment. Pub Insurance offers cover for these risks, ensuring your property, staff, and customers are protected in the event of accidents, theft, or incidents that lead to legal action. This policy is tailored to suit the specific needs of pub owners, providing flexible and robust protection for your business.

Features and Benefits of Pub Insurance

• Public liability insurance: Protects against claims if a customer is injured or their property is damaged while on your premises.

• Employers’ liability insurance: A legal requirement if you employ staff, covering claims for employee injury or illness at work.

• Stock and equipment cover: Insures against the theft or damage of valuable stock, such as alcohol, as well as essential equipment like kitchen appliances and tills.

• Business interruption cover: Compensates for lost income if your pub is forced to close temporarily due to an insured event like fire or flood.

• Building and contents cover: Provides protection for your pub premises and its contents from damage due to fire, flood, or theft.

• Loss of licence cover: Protects your business if your licence to sell alcohol is revoked, ensuring you receive financial support while resolving the issue.

What is Typically Covered?

A standard Pub Insurance policy may include:

• Public liability: Cover for claims made by customers who are injured or whose property is damaged on your premises.

• Employers’ liability: Protects your business from claims made by employees who are injured or become ill while working.

• Stock and equipment: Covers theft or damage of pub stock, including food and alcohol, as well as bar and kitchen equipment.

• Business interruption: Compensation for lost earnings if your pub has to close temporarily due to an insured event like a fire or flooding.

• Building and contents: Covers the structure of your pub and its contents against risks such as fire, storm damage, and theft.

Common exclusions may include:

• Wear and tear: General depreciation of furniture or equipment due to everyday use.

• Intentional damage: Damage caused deliberately by staff or patrons may not be covered unless additional cover is purchased.

• Unreported incidents: Claims for incidents that are not reported within a specific time frame may be excluded.

Each policy can be tailored to meet your pub’s specific needs. Becks insurance brokers will ensure that your Pub Insurance policy provides the exact cover your business requires.

Protect Your Pub with Becks Insurance Brokers

Safeguard your pub from unexpected risks with comprehensive Pub Insurance. Whether you're covering property, staff, or stock, Becks Insurance Brokers will tailor a policy to meet your business's unique needs. Book an appointment with a broker here or request a personalised quote online here.