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Pub insurance
Comprehensive coverage packages crafted specifically for pubs
Shield your pub business from significant financial losses
Focus on growing your pub without constantly worrying about potential risks
Helping businesses with insurance for over 70 years
Finding you the best cover
We have a panel of 120 insurers to discover suitable quotes and tailored cover for your needs.
Experts
Our team of insurance specialists have more than 70 years of experience in the industry.
Personalised cover
Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.
More than just insurance
Radius offers telecoms, fuel cards, telematics, insurance, electric vehicle charging, energy and vehicle solutions to businesses across five continents.
Search our panel of pub insurance specialists to find competitive cover
We work with a range of hospitality insurers from household names to small specialist insurers to find the best policy for your business.
Three simple steps
The fact find
Complete the online question set or speak to one of our agents.
Search the market
We identify the policy that best suits your business requirements.
Your business insured
Complete your hospitality insurance purchase online in minutes or over the phone.
Get a quote
Why a pub needs insurance
Managing a pub involves balancing many responsibilities, and without appropriate insurance, even a minor issue could lead to significant disruptions.
A single claim can result in major financial setbacks, whether from property damage or a workplace injury. Insurance means your pub remains financially secure and can continue to run smoothly, even in challenging situations.
Benefits of insurance for pubs
- Fire. Theft. Equipment failures. Each can cause costly disruptions. Insurance helps cover repair costs and replacements, keeping your business open without financial strain.
- Pubs see high foot traffic. That increases the risk of customer accidents. Insurance is key if someone is injured, or their property is damaged on your premises.
- Employers’ liability insurance is a legal requirement if you hire staff. If an employee suffers a workplace injury, it covers potential medical expenses and legal costs.
- From draft systems to pricy whisky bottles, pubs rely on expensive equipment and high-value stock. Pub insurance assists in recovering losses from theft, breakdowns, and spoilage.
- Everything from fires to power outages could temporarily force your pub to close. Insurance covers lost revenue during this period to help you remain afloat.
Pub insurance: What coverage is included?
Public liability insurance
Covers legal fees and compensation if a customer files a claim against your pub. Essential for protecting against slip-and-fall claims, accidental spills, and other such incidents.
Employers’ liability insurance
This insurance for a pub is mandatory when employing staff. It protects against employee compensation claims and legal expenses, as well as potential fines for non-compliance.
Business interruption insurance
For pubs, this insurance covers lost income and fixed expenses if an unexpected event forces your establishment to close. It helps achieve financial stability until reopening.
Stock and equipment cover
Protects valuable stock and essential equipment from the likes of theft and damage. Insurance recovers financial losses and keeps your pub up and running.
Loss of licence cover
Lose your pub license and wave goodbye to your ability to trade. This coverage offers support when your license is lost when not personally at fault.
What's the cost of insurance for a pub?
Several factors influence pub insurance cost. Each pub’s insurance coverage is influenced by location, size, and level of coverage. The cost can then be further impacted depending on if your pub serves food, has late opening hours, or hosts live entertainment. These elements carry added risks, naturally increasing premiums as a result.
Basic pub insurance policies can come in at around £100 each month. Comprehensive coverage, however, sees pub owners spending a lot more. To optimise expenditure, it’s essential to find a combination of the best coverage and rates.
Compare pub insurance quotes online with Radius
Radius makes it simple to find the right insurance for your pub. Forget about going to each insurer on your own. With instant access to a panel of 120 insurers, we compare policies to guarantee your business receives the right cover at the best price. Our team of insurance specialists understand your risks – whether it is liability claims or stock loss – so you only pay for what’s needed.
With many decades of industry experience, we offer expert guidance alongside competitive quotes. Get in touch today and secure the best protection for your pub.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.
What is included in pub insurance?
Do I need employers’ liability insurance for my pub business?
Do pubs need public liability insurance?
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Contact us
UK Fuels, Joseph W Burley and Partners (UK) Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a trading name of Joseph W. Burley & Partners (UK) Limited (registered company number 3668469 and FCA reference number 300425) and Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.