Public House


Target Market
Our Public House product is underwritten by Tokio Marine HCC and is suitable for public houses, wine bars and social clubs. This is a material damage and liability package product that provides insurance cover for buildings, contents, stock, business interruption, money, goods in transit, and book debts combined with public, products and employers’ liability insurance.

In addition, the product also provides the option to cover legal expenses and terrorism cover. Furthermore, the product can be extended to include liability insurance for catering activities away from the premises. The product is not suitable for Public Houses and Bars that operate with a late licence more than twice a week and/or have a staging area and/or a have a dance floor used outside of private functions.

Features & Benefits

  • Stock cover
  • Contents cover
  • Business Interruption
  • Money
  • Goods in Transit
  • Book Debts
  • Frozen Food
  • Employers Liability
  • Public and Product Liability

  • Loss of Metered Water £2,500 any one claim, maximum £5,000 anyone period of insurance
  • Landscaped gardens - following damage by emergency services £1,000 in anyone period of insurance
  • Trace and Access up to £2,500
  • Capital Additions - 10% of the building sum insured or £250,000 whichever is less. 10% of trade contents for fixtures and fittings or £100,000 whichever is less
  • Replacement of locks and keys following theft or damage £1,000 anyone claim
  • Seasonal Increase - the stock is increased by 25% during the months of November and December and the first 14 days of January
  • Rent Payable - up to 25% of the contents sum insured
  • Rent Receivable

Optional Extras

  • Buildings cover available as an optional extension
  • Damage to garden furniture – Up to a maximum of £500 any one claim including theft
  • Household Goods available up to a limit of £40,000
  • Loss of Licence available up to a limit of £100,000
  • All Risks – UK or Worldwide available as an optional extension
  • Legal Expenses available as an optional extension
  • Liability can be extended to cover childrens play areas
  • Outside catering extension available