Pub Insurance

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Don’t leave it until last orders to arrange your pub insurance

Pubs face an incredible number of potential issues. Licensing regulations, legislation changes and legal disputes are just some of many. Each issue can make owning and running a pub difficult and unpredictable. NDML can prepare you and your pub for the unexpected, utilising our years of expertise, risk management services and dedicated service.

Our pub insurance policies provide cover for potential claims from members of the public or your employees. Pub insurance also covers damage to your buildings and belongings. When you work with NDML’s team, we’ll visit your pub and really get to know your business’s requirements.

Why use a specialist pub insurance broker?

You wouldn’t buy craft beer from someone who’s only ever brewed a cup of tea. So don’t agree on pub insurance with someone who’s not a specialist.
Being a specialist takes passion, effort and years of experience. Our team have become specialists through years of hard work – and it pays off for our clients.

Because we have experience working with businesses just like yours, we have experience in sourcing appropriate cover you need within your pub insurance policy. And we’ll even throw in some added extras, such as regularly updated blogs and monthly newsletters so you can stay up to date with everything that matters to you and your policy.

What does pub insurance include:

We have a range of pub business insurance policies available, and our team work alongside your pub to ensure you have suitable cover for your needs. However, we appreciate the fast-paced environment involved in running a successful pub. It’s why we allocate a dedicated handler to manage your case and negotiate with insurers on your behalf.

For an accurate description of the list of covers available to you, contact our NDML team.

Public liability insurance
Helps protect you against slip and trip claims and third-party property damage claims. It can cover legal costs and any compensation if your business is found to be at fault subject to policy terms, conditions and exclusions. Dealing with customers that have consumed alcohol and could be dancing means claims for slips and trips are common.
Employers' liability insurance
Employers’ Liability insurance for pubs provides cover for claims made by employees. That's if a staff member or volunteer slips or trips due to company negligence or becomes ill at work due to poor standards. This cover is a legal requirement if you employ one or more people.
Buildings and Contents insurance
Protect against costs due to theft, fire, flood or catastrophic weather-related damage. Arson and theft are a huge risk for pubs and owners need to ensure their risk assessments and insurance are always in order. Keep your sums insured and inventory up to date. This cover will help your pub get back to business after a break-in or burst pipe.
Directors’ and Officers' liability
Intended for pub owners, Directors' and Officers' liability can cover the compensation costs of claims made against you. Directors’ and officers’ liability does not cover claims made against your organisation as a whole, only those made against individuals for alleged wrongful acts carried out in their capacity as directors or officers.
Business interruption insurance
Provides pubs cover against loss of business due to the after-effects of a claim or unforeseen circumstance subject to policy terms, conditions and exclusions. For any periods you cannot carry out business, this insurance policy can protect the loss of income in line with the profit you would have made subject to policy terms, conditions and exclusions. This policy needs to be enough to cover the full rebuild of your premises and therefore is a very important cover that pubs should ensure they currently have in place.
Loss of Licence Insurance for Pubs
Be it a music licence or an alcohol licence, all your licences are crucial to the continued success of your pub. Any loss of licence could have a serious financial effect, and can be detrimental to venues. Loss of licence insurance policies protect against the negative effects of having your licence revoked and will go some way to helping you get your licence reinstated subject to policy terms, conditions and exclusions.
Stock Insurance for Pubs
Stock insurance for pubs can cover the cost of replacing stock if it's damaged, lost, stolen or destroyed subject to policy terms, conditions and exclusions. This policy type also protects against deterioration. An up-to-date inventory is recommended, as is a correct Sum Insured because your valuation will include your regular stock.
Money insurance
The cash present at your venue needs to be covered. Money cover for pubs can protect your money from fire, theft and flood. It can also protect it in transit to and from the bank subject to policy terms, conditions and exclusions.
Terror Insurance for Pubs
Terrorism insurance covers against terror-related disturbances. Terror threats, attacks and cyber shutdowns are more common in densely populated areas. Your business does not need to be directly involved in the attack to be damaged by terrorism. The new Protect Duty legislation places a responsibility on businesses to help keep the public safe and reduce the threat level.

Who’s getting the next round in?

Our dedicated team acts as an extension of your business, always at the other end of a phone to answer any queries you have.

We’ll drop you an email or give you a call every once in a while just to say hello. We use visitation to get to grips with you, your business and your people; to us, no two pubs are the same. We want to get to know you, build a strong relationship with your business and watch your pub grow and succeed.

Get in touch now for a quote.

Frequently Asked Questions

What insurance do I need for a pub?

Employers’ Liability insurance is mandatory for pubs in the UK. Public Liability insurance and buildings and contents insurance are highly recommended as the risks of not being covered could be drastic. Our commercial combined insurance can include all these types of cover and more, rolling everything you need into a policy suitable for your pub’s requirements.

How much does pub insurance cost?

The cost of your pub insurance policy can vary and depends on many factors. These include the size of your pub, the capacity, the location, the condition and your insurance history. NDML will perform a risk assessment and provide you with a recommendation to support your pub’s needs.

Is the pub tenant responsible for building insurance?

The pub owners should have taken out a pub insurance policy which would include Buildings and Contents insurance. The tenant will need to cover moveable fixtures and fittings, insuring pre-agreed loss of income due to damage or theft subject to policy terms, conditions and exclusions. For owners, NDML’s commercial combined insurance is a recommended way to cover your pub. It rolls all the appropriate policies into one.

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Get in touch today to discover the best options for your venue…