FCA Authorised & Regulated

FCA Authorised & Regulated

Specialist Cover Quoted within 24 hours

Specialist Cover Quoted within 24 hours

Dedicated UK Insurance Specialists

Dedicated UK Insurance Specialists

50,000 + Active Policyholders

50,000 + Active Policyholders

Why Choose Us For Public House And Bar Insurance?

Our knowledgeable team can help you find the very best cover for your licensed venue, whether that is a public house or bar, or anything in between. We work with you to tailor the options and come up with a solution that is perfect for you.

Fast Specific Cover

Fast Specific Cover

We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process

Easy Claims Process

Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever

No mid term fees, ever

As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Customer Rewards

Customer Rewards

Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand

Specialist that understand

We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies

Tailor made policies

We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Customer Service

Customer Service

Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials

Positive green credentials

We support local charities and are making huge strides to reduce our environmental impact as much as possible.
Monthly installments

Monthly installments

To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.

Why would I need Public House & Bar Insurance?

Public house and bar insurance will typically include a variety of standard commercial insurance products and additional covers dependent on your type of business. Standard coverage Includes:

Public liability:
This is an essential part of coverage for pub sand bars, covering you for injury to the public or damage to their property caused by slips, trips, falls, and other illnesses or injuries
Loss of income:
If your bar or pub has to close for any reason - fire, flood, etc - this will cover you for the loss of income that you will incur
Stock:
Pubs and bars hold a lot of stock in beers, wines, spirits, and food. These are protected against loss with stock cover
Loss of license:
If you lose your license to sell alcohol for any period, this coverage will protect you against the depreciation of your business

FAQ’s About Public House and Bar Insurance

Will my insurance policy cover me for renting out accommodation too?
We cover up to four rooms on a pub and bar policy. Anything more than that requires guest or bed and breakfast coverage.
How much does pub insurance cost?
This depends on the size and type of your business, whether you have a playground, live music, hold parties and events, etc. Get in touch today to find out how much your policy will cost.
Do I need employers’ liability insurance?
If you employ anyone outside of your immediate family, you must have employers’ liability insurance by law. This protects you and them if there are any allegations or claims made against you.
What types of venues can be covered by pub and bar insurance?
It doesn’t just cover bars and pubs, but nightclubs, function and event venues, gastro pubs, late-night venues - anywhere that requires an alcohol license

Other Things To Think About

  • Theft and assault
  • Deterioration of stock
  • Buildings
  • Business content
  • Legal expenses
  • Goods in transit

Articles & Insights

View All Articles
Aviva_Logo
Zurich
Markel
ageas
Lloyd’s
Hiscox
AXA
Allianz_
QBE
LV
misl-logo-ms
Pen
RSA
Covea
Request a Call