Insurance for Pubs

Running a pub comes with unique challenges and risks, which is why having the right insurance in place is vital. We specialise in public house insurance, offering tailored cover designed to protect everything from your premises and stock, to your staff, customers, and livelihood. Whether you run a traditional local, a busy city bar, or a gastro pub, we understand the specific risks involved and provide insurance solutions, that are built around your needs.

We already insure several pubs and restaurants, across the UK and have built a strong reputation for offering reliable cover alongside competitive premiums. With access to a wide panel of leading insurers, we’re able to shop the market on your behalf to find the right policy for you. From public and employers' liability, to contents, business interruption, and loss of licence cover, we make sure you’re properly covered.

What truly sets us apart is our personal service and knowledge of the hospitality sector. We take the time to understand your business and provide clear, honest advice. Our team is on hand to support you every step of the way, from your initial quote to any claims you may need to make. Get in touch today for a no-obligation quotation and see why so many pub owners trust us to keep their business safe.

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Pubs

What people are saying about our HealthCheck

Peter Quintana
Peter Quintana

Director, hgkc

The risk profile generated by the SenseRisk insurance HealthCheck is a simple and easy way to start exploring the insurances you might need for your business, and a great place to start the conversation with a SenseRisk Advisor.

Bayley HR
Emma Bayley

Bayley HR Associates

I found the HealthCheck Platform a great tool to use when looking to understand what risks my business my face and what insurances to consider, it was very informative.

As business owners we don’t always think of the bigger and wider picture of what is maybe required when setting up company/employer insurance.

Greg Dodimead
Greg Dodimead

Owner, Brand Affiniti

I thought the HealthCheck Platform was very helpful and it confirmed that I have the right level of cover in place with SenseRisk already; It also recommended others I may need in future.

The HealthCheck was user friendly and got me to consider scenarios of future growth within my business and the potential risks they could pose and the right level of cover to deal with those changes.

Rose Sellman-Leava
Rose Sellman-Leava

Director and Co-founder, Inclusive Futures CIC

Sense Risk and their HealthCheck platform have been incredibly useful to us and our new business. The platform breaks down everything you might want to think about when looking at insurance in a really simple way. As a new business owner, you have to wear so many hats, and so it’s helpful when you can pass something as important as insurance over to the experts! The Sense Risk team are then on hand to support the whole insurance process in a really friendly and jargon-free way. I literally wouldn’t do insurance any other way!

What other types of insurance do pubs need?

Depending on your business activities and specific needs, you could benefit from the following types of insurance:

Public Liability insurance

Covers injuries or damage to people or property, caused by the business's activities

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Products Liability

Covers injuries or damage caused by a product sold or supplied by the business

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Employers’ Liability insurance

covers a business's legal responsibility for injuries or illnesses suffered by its employees during the course of their work and is required by law

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Professional indemnity insurance

covers the legal costs and expenses that may arise if a business or professional is sued for providing inadequate advice, services, or errors in their work

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There are many other forms of insurance that your pub business might want to consider, including:

Property Damage Insurance

Covers the costs of repairing or replacing property that is damaged due to unforeseen events

Personal Accident Insurance

Covers financial protection in the event of injury, disability, or death caused by an accident

Cyber Insurance

Covers financial losses and expenses related to cyberattacks, data breaches, and other technology-related incidents

Legal Expenses Insurance

Covers the costs of legal services and court fees when a policyholder faces legal disputes

Trade Credit Insurance

Cover to protect your business against the risk of non-payment from your customers. This includes insolvency, protracted default, or non-payment due to political risks in international trade.