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Focus Insurance Services
Pub Insurance
Specialist Insurance

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

  • 1
    Pub address and postcode
  • 2
    Type of pub (traditional, gastropub, sports bar, etc)
  • 3
    Number of staff employed
  • 4
    Annual turnover or revenue
  • 5
    Stock value and type of alcohol served
  • 6
    Gaming machines or entertainment details
  • 7
    Food service details (if applicable)
  • 8
    Security measures and CCTV
  • 9
    Any previous claims history

Frequently Asked Questions

What is liquor liability cover?
Liquor liability protects you against claims from customers injured or harmed due to alcohol service. This includes claims for intoxication-related incidents.
Is assault cover included in public liability?
No, assault cover is a separate add-on. It protects you against claims from assault or violence incidents at your premises.
What if there is a fight in my pub?
Assault cover protects you against claims from injuries sustained in fights or violence at your premises, provided you have taken reasonable precautions.
Do I need to report all incidents?
Yes, you should report all incidents that could lead to a claim, including assaults, injuries, or property damage.
How much public liability cover do I need?
Most pubs carry £5m-£10m public liability cover. We will recommend appropriate limits based on your premises and customer numbers.
What about gaming machines?
Gaming machines are covered under contents insurance. You may need additional cover for gaming machine liability.
Is business interruption cover essential?
Yes, business interruption cover is highly recommended. It protects your income if you cannot trade due to fire, flood, or other insured events.
What security measures are required?
Most insurers require CCTV, alarm systems, and trained staff. We can advise on the best security measures for your premises.

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

Focus Insurance Services

Focus Insurance Services is a UK commercial insurance broker specialising in Property Owners, Shops & Trades, Fleet, and Personal Lines insurance. Advice-led, not price-led.

01733 263311[email protected]
29 Ivatt Way, Peterborough,
Cambridgeshire, PE3 7PH
Mon–Fri 9:00–17:00

Data Protection

Your data is encrypted in transit using HTTPS with HSTS protection. We comply with GDPR and UK data protection regulations.

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We implement industry-leading security headers including CSP, X-Frame-Options, and HSTS preload to protect against common web vulnerabilities.

FCA Regulated

Authorised and regulated by the Financial Conduct Authority (FRN 717691). We maintain strict compliance with financial services regulations.

Regulatory Information: Focus Insurance Services is a trading name of Captios Limited. Captios Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Firm Reference Number is 717691. You can check this on the FCA Register.

Captios Limited is registered in England and Wales under company number 09620500. Registered Office: 29 Ivatt Way, Peterborough, Cambridgeshire, PE3 7PH.

We are an insurance broker, not an insurer. We do not provide personal recommendations. All cover is subject to underwriting, terms, and conditions.

© 2026 Focus Insurance Services. All rights reserved.

FCA RegulatedEstablished 2015

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