ALDIUM Insurance
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Hospitality & Leisure Insurance
Pub Insurance
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Get a Pub Insurance QuoteComplete the form — a hospitality specialist will be in touch promptly. |
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What Is It?
What Is Pub Insurance?Pub insurance is a specialist type of business insurance designed specifically for the licensed trade. Running a pub carries a unique combination of risks — property damage, public liability, loss of licence, stock loss and business interruption — that a standard commercial property or business policy cannot adequately cover. Whether you are a pub tenant, a licencee, a freeholder or a managed house operator, the right pub insurance policy combines the cover elements your specific operation needs into one clear programme — protecting your premises, your stock, your income and your livelihood. Aldium Insurance has been arranging specialist pub insurance for over 20 years. As an independent broker we work for our clients, not for any insurer. We search the specialist hospitality insurance market to find you better premiums and stronger cover than a tied broker or a comparison site ever could. |
Definition
“Pub insurance is specialist business insurance for the licensed trade — combining buildings, contents, stock, public liability, loss of licence and business interruption cover into one policy tailored to your pub operation.” |
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Independent Broker
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Whole of Market Access
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20+ Years in the Pub Trade
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Claims Support
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Buildings InsuranceCovers the structure of your pub against fire, flood, storm, escape of water, impact and malicious damage. Essential for freeholders and required by some pub company leases for tenants and lessees. |
Contents & Trade FixturesCovers bar equipment, furniture, fixtures, fittings, gaming machines, cellar equipment and all the trade contents of your pub. Including accidental damage where required. |
Stock CoverCovers your bar stock — ales, wines, spirits, soft drinks and food — against loss, damage or theft. Cellar stock and refrigerated goods can be specifically included with appropriate cover levels. |
Public LiabilityProtects you if a customer, visitor or member of the public suffers injury or property damage on your premises and holds you legally responsible. Essential for any pub open to the public. |
Business InterruptionCovers your loss of gross profit if your pub is forced to close or trade at reduced capacity following an insured event — fire, flood or other damage. Keeps your income flowing during recovery. |
Loss of LicenceCovers your financial loss if your premises licence is revoked, suspended or not renewed by the licensing authority. A critical but often overlooked cover for any licensed premises operator. |
Employers LiabilityA legal requirement if you employ any staff — bar staff, kitchen workers, cleaners or security. Covers claims from employees who suffer injury or illness as a result of their work at your pub. Legal requirement |
Legal ExpensesCovers legal costs arising from licensing disputes, employment tribunals, tax investigations and contract disputes with suppliers. Pub operators face more legal exposure than most small businesses. |
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Who We Cover
Pub Insurance for Every Type of Licensed OperatorThe pub trade covers a wide spectrum of businesses — from the traditional community local to the gastropub, the sports bar to the country inn. The type of pub you run and how you operate affects the cover you need and how insurers rate your risk.
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Why Aldium
Why Choose Aldium?Your Champion in the Licensed Trade20+ years protecting pubs — we have been arranging pub insurance since 2003 and know the licensed trade inside out.
We champion better premiums — as an independent broker we search the specialist hospitality market to find you the most competitive terms available.
Excellent covers, not just cheap policies — we ensure your cover is genuinely appropriate for your operation, not just the cheapest option that leaves gaps.
Tenants and freeholders — we understand the different insurance needs of pub tenants, lessees and freeholders and structure each policy accordingly.
Claims support — when you need to make a claim, our team manages the process and fights your corner with the insurer.
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Do I need pub insurance as a tenant or lessee?Yes. As a pub tenant or lessee your pub company or landlord will typically arrange buildings insurance, but you are responsible for insuring your own contents, stock, business interruption, public liability and employers liability. Running a pub without these covers leaves you personally exposed to significant financial risk. |
What is loss of licence cover and why do I need it?Loss of licence cover protects you financially if your premises licence is revoked, suspended or not renewed by the licensing authority. Without your licence you cannot trade. The cover pays the financial loss arising from the loss of the licence and can be one of the most important but underutilised covers in the pub trade. |
Does pub insurance cover me for live entertainment and events?It depends on your policy. If you host live music, quiz nights, sporting events or other entertainment, you need to ensure this is disclosed to your insurer and covered under your policy. Some insurers restrict or exclude entertainment activities. We ensure your policy reflects what your pub actually does. |
Is employers liability insurance compulsory for a pub?Yes. If you employ any staff — bar staff, kitchen workers, glass collectors, cleaners or security — employers liability insurance is a legal requirement with a minimum limit of £5 million. This applies from the first day of employment. Operating without it is a criminal offence and carries a fine of up to £2,500 per day. |
Can I insure my pub if it also has letting rooms?Yes. If your pub has guest accommodation — letting rooms, a bed and breakfast operation or holiday cottages — this needs to be disclosed and included in your cover. We regularly arrange combined pub and accommodation policies for country inns and pubs with rooms, ensuring all aspects of your business are protected. |
How can I reduce my pub insurance premium?There are several practical steps that can help — good security (CCTV, alarms, secure cellar access), a strong claims history, adequate fire suppression in the kitchen, and accurate sums insured all influence your premium. As your broker, we present your pub in the best possible light to the market and negotiate on your behalf at every renewal. |
Independent advice, better premiums and excellent cover for your pub. We have been championing the licensed trade for over 20 years — let us show you what a specialist broker can do for your business.
| Get a Pub Insurance Quote | Call 0151 336 5881 |
| Independent Broker | FCA Regulated | 20+ Years Pub Trade | Whole of Market Access | UK Based Team | Claims Support |
