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Our licensed trade insurance package provides an insurance solution for pubs, bars & licensed premises, offering you standard insurance covers including public liability, product liability and employers' liability.

We also have many optional extras to choose from to improve your standard pub insurance policy, because when it comes to pub insurance, our specialist team understand that every pub has different insurance needs.

Request A Pub Insurance Quote Today From Your Insurance Group

Key features of our pub, bar & licensed trade insurance policy

  • Public Liability - our pub insurance package comes with standard cover for public liability and product liability of £5 million which can be increased if required.
  • Employers' Liability - we can provide cover for up to £10 million under our pub insurance policies. Under UK employment law it is a legal requirement to hold employers' liability insurance if you have any employees.
  • Business Interruption - we know that over 80% of businesses go bankrupt after a serious fire if they are not properly covered, so make sure you are covered for those eventualities where you are unable to trade.
  • Buildings Cover - we can provide buildings cover at the level you require, which can also be extended to cover any damage caused by subsidence.
  • Contents Cover - we can tailor levels of cover to meet your specific pub insurance requirements.  Contents cover can extend to provide cover for the loss or damage to electronic equipment, improvements as well as fixed and removable items within your pub.
  • Money & Assault Cover - we provide various levels of cover for money handled by you and your staff in the course of your business as well as any injuries sustained following assault, robbery or attempted robbery whilst operating your pub business.  
  • Loss of License - as a respectable pub business you may do your utmost to ensure that you operate within the licensing laws but may still lose your license allowing you to serve alcohol.  We provide cover for any loss in income and reduction in the value of your business following the loss of license.
  • Theft by Employees - the standard theft cover available on our pub insurance package only provides cover for theft involving forcible or violent entry to your premises.  We can add cover to protect you against employee dishonesty.
 
Request A Pub Insurance Quote Today From Your Insurance Group

Pub, bar & licensed trade insurance policy benefits

  • Free Legal Helpline - you will have access to a 24 hour telephone legal helpline on any legal problem in connection with your business.
  • Tax Protection - we can provide cover for up to £50,000 of accountancy and legal costs incurred following tax & VAT investigation by the Inland Revenue.
  • Seasonal Increase - our pub insurance package recognises that certain times of the year licensed trades are particularly busy and your business may need to stock up extra for the increased trade.  We can provide an increase in your stock cover of 25% to protect your business at these busy times.
  • Save Time & Money - you don't have to wait around for your documents with Your Insurance Group. We issue all of our documents via email, so you don't lose out. All of our telephone numbers are free phone, so you don't have to pay to call us.
  • Spread Your Payments - to help you manage your cash flow you can choose to pay your premium by monthly instalments.
  • Financial Security - by taking out our licensed trade policy you know you have the support of Europe's largest independent intermediary.
 
Request A Pub Insurance Quote Today From Your Insurance Group