Pub Insurance

Covid-19 Update

Given the recent lifting of restrictions specific to the hospitality industry, please access the following link (COVID-19 secure guidance for employers) which is designed to assist with the re-opening process.

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Do I need Pub Insurance?

In this economic climate, pub insurance probably isn’t the most exciting task to fit into your busy schedule when running a pub, however, it is a necessary one. Running a pub can be tricky, from the landlord to the owners, staff, customers and even to the next door neighbours. Owners of pubs need to take everything into consideration, which is why pub insurance is so important.

Todd & Cue are here to help you organise your public house insurance as efficiently as possible. Ensuring you have the correct insurance for every eventuality which may occur within your business. Yet, making sure it is at a reasonable insurance cost so your insurance premium isn’t too high! Allowing you to get back to what you do best, running your pub!

Pub Insurance FAQs

What is Pub Insurance?

Pub insurance is essentially a specialist business insurance which is designed for licensed venues and tailored to the potential risks that publicans and licensees could face.

What types of venues can benefit from Pub Insurance?
  • Pubs and public houses
  • Gastro pubs (‘wet’ or ‘dry’)
  • Wine bars
  • Pubs and bars with late licences/entertainment
  • Late night venues
  • Nightclubs
  • Function and event venues
  • Any another type of licensed venue
What are the areas of insurance cover I need on my pub business?
  • Fire & Perils cover on the Building, Stocks, Fixtures & Fittings
  • Consequential Loss cover also is known as Business Interruption or Loss Profits
  •  Employers Liability
  •  Public & Product Liability
What do I have to insure under a licenced trade policy?

By law, you must have employers’ liability insurance assuming you have any staff working on the premises.

If you own a pub, what is it advisable to insure for?

It is important to have insurance for your assets, these could include:

  • Bar/kitchen equipment
  • Fixtures and fittings
  • Tenants improvements
  • And, of course, the buildings if required!
  • Insurance to protect the business profits from business interruption.
  • Insurance against third party liability, i.e. if you are legally liable to pay for an incident which results in an incident that results in loss or damage to a third party while on your premises.
  • Loss of pub licence.
  • Personal accident.
  • Your household contents, if you live at the premises.

Todd and Cue have been pub Insurance brokers for the Leisure sector since 1979. Our knowledgeable broking staff, in-house claims team and bespoke tailored public house insurance department offer the best service possible. Making sure the price and cover is at the best it can possibly be in today’s Insurance market. Use the tool below to get your online pub insurance quote. This is a great and easy tool to allow you to see what price you would be paying if you were to go with us as your pub insurance broker.

Having insurance will protect you against many aspects of the business. It can protect you against slips, trips and falls within the building. Accidents do happen even to the most cautious of owners. Which is why insurance is an essential part of the business. For example, if a spilled drink happens and someone slips, this could result in a large claim against you and the business. So make sure you are prepared for any claims which may occur with insurance.

How Much does Public House Insurance / Pub Insurance Cost

Our depth of knowledge and wealth of experience in this sector means that we are able to offer you insurance at extremely competitive prices the pub insurance average cost really depends on the type of cover you require. Meaning it will help you keep your profits as high as possible, yet not compromising on the quality of insurance you will receive.

We understand the cover for your pub insurance is an important aspect, helping you find the right cover for the right price is a priority for us. Which is why our insurance premiums are as low as possible yet still comprising everything you need with the added peace of mind that it is with a trusted insurance broker. We are not just your usual ‘cheap pub insurance’ or “Cheap public house insurance” broker, but a quality and well trusted one, helping you keep your business running the way it should be.

Whether you are a multiple operator, gastro-pub, late-bar or a traditional “boozer”, we offer pub insurance that can be tailored to suit your business’ particular needs and budget! So whatever your required needs are, contact us and we will try and find the right insurance package suited directly to your needs!

If you would like to receive a pub insurance online quote, then simply fill out the form below. With simple questions allowing you to instantly find out your unique quote for your business.

Tips for obtaining pub insurance

#1 Make sure you read all your policy documents carefully and that you understand what it says. If you’re unsure on anything on your documents, be sure to bring this up to your advisor and they will guide through the whole process. It is important to understand any exclusions that may apply.

#2 Find out if you need to own buildings cover, or if this is already provided by your brewery.

#3 Remember, contents cover and fixtures and fittings cover insure different types of items within your premises – so make sure you check what you need!

#4 Don’t forget, that if you have employees, contracts, or even casual workings you NEED to take out employers liability insurance. You are required by law to have this policy so make sure you have it. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

What is Employers Liability Insurance?

Employers Liability Insurance protects employers from claims of negligence made by employees who suffer injury or ill health due to their work, policies can also protect employers against theft from employee dishonesty.  Unlike most other types of insurance, Employers’ Liability Insurance is compulsory if you employ workers based in England, Scotland or Wales (including offshore installations or associated structures), your company must carry Employers’ Liability Insurance to avoid substantial fines.


We also cover your pub from any mishaps which may happen. They will provide you with the best advice and protection to help any pub owners deal with difficult situations. Pubwatch is a great committee to be involved with, giving you peace of mind to ensure you can give your business the time it needs.

Request a competitive & justifiably-priced Insurance quote today by calling 0845 6034407.

If you would like to take a look at some interesting pub facts, then click here. They may just help you run your pub that little easier.

Do you run your own restaurant? If you do, then Todd & Cue specialise in restaurant insurance so make sure you find the right insurance policy for you. Simply contact us today to get your own pub insurance quote.


Did you know about our Claims App?

If you’ve had an incident relating to your motoring, property or liability policies and need to make a claim, then log onto our app! Find all the information you need to do so on the app, while also getting everything sorted as quickly as possible. The Todd and Cue claims app will help our clients utilise their smartphone technology, as soon as a claim occurs – this could be beneficial to you! Download the claims app today to see how it all works!

What types of insurance does a pub need?

Building Insurance is valid if you OWN the building that your pub is based in. And Contents Insurance is important to ensure that the vital contents of your building that you use daily to keep your business afloat are protected against disasters such as a fire, flooding and/or if you suffer a break in. Depending on where your pub is located can determine the type of insurance you can get cover for and how much it will be. For example, if your pub is situated near a main road, it may affect your policy due to an increased risk of incident. Contact us today at Todd and Cue to get the expert advice that you need to make sure that your business is covered to it’s best potential.

We strongly advise that as a pub-owner you do your research into Public Liability Insurance because accidents may occur, for example where drinks are served and consumed on the premises they may get spilled or dropped therefore slippery surfaces can be common, broken glass could be a possibility and of course trips and falls may occur if you have stairs that are in use or again, slippery surfaces. Our Public Liability policy covers for any claims of bodily injury, physical injury, advertising injury or property damage and they also provide cover for the cost of defending and settling claims.

No matter if your staff are full time, part time or subcontracted it is a legal requirement to have Employer’s Liability Insurance otherwise you may end up subject to a penalty. An Employer’s Liability Insurance policy is in place to protect you and your business from claims against injury at work and unfair dismissal territory.

Quick and Easy Quote

Personal Details (please fill out all fields)

Premium Details


Personal Accident (Optional)

Your Indicative Premium

per annum including a £25 fee

Call 0191 482 0050

Give us a call for a free quotation or professional advice on: 0191 482 0050