
Pub Insurance
Comprehensive protection for pubs, bars, and licensed establishments. From traditional country pubs to modern bars, we arrange tailored cover to protect your premises, equipment, stock, and business income against the unique risks of licensed premises.
Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.
What Does Pub Insurance Cover?
Pub insurance combines multiple covers to protect your licensed premises and operations. Typical coverage includes:
Buildings Insurance
Protection for your pub premises against fire, flood, storm, and other insured perils.
Contents & Fixtures
Cover for furniture, fittings, bar equipment, gaming machines, and other fixtures.
Stock Insurance
Protection for beer, spirits, wine, and soft drinks stock against damage and theft.
Business Interruption
Replacement of lost gross profit if you cannot trade due to an insured event.
Public Liability
Protection if a customer is injured at your premises – typically £5m-£10m cover.
Employers' Liability
Legally required cover for staff injured at work – typically £10m minimum.
Liquor Liability
Protection against claims from customers injured or harmed due to alcohol service.
Assault Cover
Protection against claims from assault or violence incidents at your premises.
Money Cover
Protection for cash on premises, in transit to the bank, and in a safe overnight.
Why Choose Focus Insurance?
As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.
Licensed Trade Expertise
Over 10 years arranging insurance for pubs, bars, and licensed establishments.
Tailored Cover
Policies matched to your specific pub type, location, and operational model.
Claims Support
Dedicated support to help you through the claims process and minimise business disruption.
Market Access
Access to specialist licensed trade insurers offering premiums suited to your risk profile.
Is This Cover Right for You?
This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:
- Independent pub owners
- Managed pubs and bars
- Pubs with food service
- Pubs with gaming machines or entertainment
- Businesses with multiple staff
- Premises in high-risk areas
What We'll Need for Your Quote
- 1Pub address and postcode
- 2Type of pub (traditional, gastropub, sports bar, etc)
- 3Number of staff employed
- 4Annual turnover or revenue
- 5Stock value and type of alcohol served
- 6Gaming machines or entertainment details
- 7Food service details (if applicable)
- 8Security measures and CCTV
- 9Any previous claims history
Frequently Asked Questions
What is liquor liability cover?
Is assault cover included in public liability?
What if there is a fight in my pub?
Do I need to report all incidents?
How much public liability cover do I need?
What about gaming machines?
Is business interruption cover essential?
What security measures are required?
Ready to Discuss Your Insurance Needs?
Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.
Monday – Friday, 9:00am – 5:00pm
