pub insurance

Standard cover

Please refer to the policy document for terms and conditions.

For relevant exclusions and limitations please click here

Our licensed premises insurance policies cover the following as standard:

Business contents - we provide cover for your trade contents and stock - you just need to select the sum insured. This covers you for a whole range of perils including fire, explosion, lightning, earthquake, storm, flood, escape of water, riot and civil commotion, malicious damage, impact, leakage of oil from heating systems, theft by forcible and violent entry / exit and accidental damage. We also provide automatic cover against leakage of beer from your pumped containers. Where you provide sleeping accommodation for paying guests, theft cover will not be subject to forcible and violent entry / exit.

Automatic extensions of cover - provides cover for a range of situations such as damage to fixed glass and sanitary fittings, damage to external signs, loss of money and personal accident and assault.

Business interruption - helps to keep you in business following a claim, by protecting your trading position. Cover is for the reduction in Gross Profit and reasonable additional expenditure necessary to maintain business continuity. The amount of standard cover is £500,000 with a 12-month indemnity period.

Loss of accounts receivable - cover for money that is owed by customers, which cannot be collected because records have been lost or damaged by an insured peril. Standard cover limit: £25,000.

Loss of liquor license - cover against the depreciation in the value of your premises and any subsequent loss of profit following loss of licence from causes beyond your control. Cover limit: £100,000.

Employer’s Liability - cover for damages, legal costs and expenses for which you are liable as a result of injury to your employees. Cover limit: £10,000,000.

Public and Products Liability - cover against injury to the public and damage to their property - including liability arising from the sale or supply of goods. Cover limit: £2,000,000.