Alexander Swan specialise in providing insurance for publicans and owners of public houses at competitive premiums. Whether you run one pub or a chain of pubs, we strive to provide you with the highest quality independent advice and service to suit your individual needs. We’re experienced in providing cover for a range of specialised businesses, including pubs, window cleaners and ice cream vans.
What is Pub Insurance?
Pub insurance, also known as public house insurance, is specialist cover available for publicans and pub owners that takes into account the needs of your business.
We work with hundreds of pub owner operators to provide the best possible public house insurance for their business and are able to advise on covers such as public liability insurance, employers liability insurance, accidental damage, stock cover, money cover and business interruption insurance.
Do I Need Public House Insurance?
As the owner of a licensed venue you will require public liability insurance, employers’ liability insurance, buildings (if required), contents and stock cover. We also recommend that you consider additional covers such as loss of licence insurance and business interruption insurance.
Serving the right insurance cover for your public house
Alexander Swan can advise you on which covers are necessary for your public house and provide you with a same day quotation for public house insurance.
What Does Pub Insurance Include?
Alexander Swan can provide specialist insurance cover for family pubs, public houses with cooking facilities, pubs with entertainment facilities and pubs with an outdoor play area.
We have excellent relationships with local breweries throughout the South West including Arkells and work with tenants to support their risk management needs as much as possible.
We can provide public houses with specialist insurance cover:
Business Interruption – Cover for up to £500,000 should you unfortunately not be able to open your business
Money – Cover for up to £2,000 cash (stored in safe) and £5,000 in transit
Deterioration of Stock – Up to £2,000
Glass Cover – Unlimited glass cover
Public and Products Liability Cover – £5m. This is an essential cover for pubs, covering injury to the public or damage to their property such as slips, trips, and falls that are not alcohol induced
Employers Liability Cover – £10m
Loss of Licence – £100,000
Legal Expenses – £100,000
Pub Insurance FAQs
The cost of insurance for public houses depends on the size of your business. With excellent insurer relationships, we are able to offer competitive rates for insurance for pubs and can provide you with a same day quotation Monday-Friday.
As the business owner of a public house you will require a range of cover, including: public liability insurance, employers liability insurance, buildings (if required), contents and stock insurance. Alexander Swan also recommend that you consider additional protection such as loss of licence Insurance and business interruption insurance.
Public liability is an essential cover for public house owners and operators, as it will provide you with cover for injury to the public or damage to their property such as slips, trips, and falls that are not alcohol-induced.
A public house is by definition an establishment providing alcoholic beverages to be consumed on the premises. Pubs have changed over the years and many now operate as food destinations. Our expert advisers will be able to guide you on what covers are required for your business depending on how your business operates.
Who can help you?
To discuss our special pub insurance policies in more detail, speak to:
