Pubs and Bars Insurance
Protect your pub or bar from customer injury claims, alcohol-related incidents and property damage with specialist hospitality cover.
Get in touchWhat is pubs and bars insurance?
Pubs and Bars insurance is a specialist policy that protects pubs and bars from the risks of serving customers, managing premises and employing staff. It typically includes public liability, employers liability and buildings and contents cover.
Running a pubs and bar business involves risks from food safety and customer injuries to property damage and staff claims. The right insurance means a single incident will not shut your doors.
Find insurers who understand the hospitality and food sector, so your cover reflects the specific risks your pubs and bar business faces.
Public Liability
Covers claims from customers and visitors for injury or property damage at your pub.
Employers Liability
Required by law if you employ anyone, covering employee injury or illness claims.
Buildings and Contents
Covers your pub premises, bar equipment, furniture, stock and cellar.
Products Liability
Covers claims arising from food and drinks you serve.
Who needs pubs and bars insurance?
Traditional pubs
Operating a community or village pub
Craft beer bars
Specialising in craft beers and ales
Wine bars
Offering an extensive wine selection and food menu
Sports bars
Showing live sport and serving food and drinks
Gastropubs
Combining high-quality food with a pub atmosphere
WHY CECIL
Built differently.
Alcohol service risks covered
Pubs face specific risks from alcohol service, including customer intoxication and related injuries. Cecil finds insurers experienced in covering licensed premises.
Cellar and stock protected
Your cellar stock, bar equipment and furniture represent significant value. Cecil ensures your contents cover reflects the full replacement cost.
Business interruption for pubs
If your pub is forced to close due to an insured event, business interruption replaces your lost income. Cecil can include this in your policy.
Competitive quotes from pub insurers
Get options from specialist insurers to find pub insurance from hospitality sector specialists who understand the unique risks of operating licensed premises.
Common questions about pubs and bars insurance
Do pubs need public liability insurance?
Yes, public liability is essential for pubs and bars. Customer injuries, alcohol-related incidents and property damage claims are all real risks for licensed premises.
Does pub insurance cover customer alcohol-related injuries?
Yes, public liability covers injuries to customers on your premises, including those related to alcohol consumption.
Do pubs need buildings insurance?
If you own the premises, buildings insurance is essential. Leaseholders need contents cover for their fit-out, equipment and stock.
What level of public liability do pubs need?
Most pubs carry between £2m and £5m of public liability cover. Brewery and landlord agreements may specify minimum levels.
Does pub insurance cover live entertainment?
Yes, but your insurer needs to know about live music, DJ nights or other entertainment. Additional terms or premiums may apply.
Interested in Pubs and Bars insurance?
We will be in contact when Cecil launches.