Pub Insurance

ALDIUM Insurance

Cheers!

Aldium Insurance has been protecting pubs for over 20 years
We know where the pitfalls are, what the risks are and how to keep these to a minimum.
As each pub is different  we believe each needs bespoke advice tailored to their particular needs.
Some pubs have dedicated restaurants, some letting rooms, others children’s play areas and organised entertainments.
We know which Insurers pitch their cover and prices to what type of pubs so we can get the best licensee insurance for our Clients and have specialist staff dedicated solely to providing that knowledge and advice for our Pub clients.

Compare Pub and Bar insurance quotes now! 

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What does Pub insurance cover?

Pub insurance helps you manage the risks to your business. Lets take a look at a few of the core covers.

Public Liability Insurance

Public liability for pubs covers claims made against you if a member of the public gets hurt or injured when they’re on your premises. 

Employers’ Liability Insurance

If you have full-time, part-time or temporary staff then employers’ liability insurance is a legal requirement and can cover you against injury claims from staff.

Business Interuption Insurance

Help if you suffer from an incident such as fire or flood which closes your doors whilst repairs or refurbishment is carried out to keep your income protected.

Stock and Fixtures & Fittings

Your pub is filled with many items and possesions that add to the character and atmosphere. Protect them against fire, theft, flood, loss and damage.

Money Cover

Covering robbery during business hours or cash in transit to and from the bank, also theft of cash left in the tills overnight or in a locked safe, subject to specified amounts

Buildings and Domestic Contents

Buildings cover can be arranged for freehold premises and Domestic Contents cover is available if required to look after your own possessions in the flat above the pub. 

Frequently Asked Questions | Pub Insurance

  • Why do I need Pub insurance?

    There’s a lot to think about when you're running a pub, whether it's a local village pub, a bar, or a party venue. And one item on your to-do list should be making sure you've got the right insurance in place to protect you, your business and, your customers. We can arrange cover to protect your stock, fixtures and fittings, customers, money and more.

  • What is stock cover?

    For a pub, stock insurance covers all the items you sell, including wines, beers, spirits, and food. These are likely to be valuable and you should look to cover these.

  • What is Loss of Licence cover?

    Your pub couldn’t trade if you lost your licence leaving you in a difficult position. This insurance could cover you for some loss of earnings, if that ever happened because of reasons beyond your control. An example could include if your local council revoked your licence because of complaints about noise in the local area that wasn’t your fault. However you wouldn’t be covered, if you lost your licence for selling alcohol to underage drinkers because that’s illegal and was within your control.

  • Is cash covered?

    Money cover can form part of your bespoke pub package policy covering you for robbery during business hours or cash in transit to and from the bank, also theft of cash left in the tills overnight or in a locked safe, subject to specified amounts

  • GET QUOTES

    Let us compare the market for you and search our panel of leading insurers for a competitive pub insurance package.

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