Key features of our policy

Our standard Pub & Restaurant policy includes...

• Business contents cover for any amount to a maximum of £250,000
• Employers' Liability for damages, legal costs and expenses following injury to your employees up to £10,000,000
• Public Liability for injury to the public or damage to their property, up to £2,000,000
• Product liability which would cover you against illness caused by the food or drink that you serve up to £2,000,000
• Loss of income caused following an insured incident, up to £500,000 over a 24 month period
• A range of additional protection to keep your business running smoothly, including cover for fixed glass and sanitary ware, loss of money and personal accident (assault)

As well as increasing many of the above limits you can extend:

• Buildings cover up to £2,000,000
• The contents of your home if you also live on the premises
• Tenant improvements up to £500,000
• Cover against the loss of your drinks licence

Our Pub and Restaurant policy is for businesses who...

• Are a pub, cafe or restaurant operating from a single premises
• Can be independent, managed or tenanted, licensed or unlicensed
• Have up to four guestrooms (if you have more than four, please take a look at our Hotel policy)
• Enjoy an annual income of up to £375,000
• Don't offer live entertainment or nightclub facilities

Buying the correct insurance for your business...

• Running a pub or restaurant presents its own set of challenges and our insurance is designed to reflect that. That's why you're covered if a member of the public slips up on your premises, or if one of your members of staff injures themselves - we understand that these are particular concerns in a busy environment. We'll also protect you against loss if you have to close your premises for a period of time, for example due to storm, flood or fire.
• Whether you're covering equipment, staff or any money you may keep on your premises, it's essential that you buy the right amount of cover. That's why we ensure our insurance includes the standard cover for your type of business with the option to increase cover limits or add on cover to suit your individual business.
• If you are changing the circumstances of your business, such as taking on extra staff or reducing the amount of stock on your premises, let us know and we'll adapt the quote to your needs, and hopefully save you some money.
• Getting a quote is quick and easy. Just click Get a quote and we'll guide you through the process. And we GUARANTEE to beat your Pub & Restaurant insurance renewal quote (please read the terms and conditions before buying).
• In order to make your quote process more straight forward, please make sure you have your business contents and stock value to hand, and remember minimum security requirements always apply. Take a look at the 'Assumptions' page to find out more.