Public House

This product consists of a panel of two insurers:

1. AmTrust Europe Ltd & Ascot Group’s Syndicate 1414 at Lloyd’s
2. Ascot Group’s Syndicate 1414 at Lloyd’s

Tailored Liability & Property Insurance for Pubs
Public, Products & Employers’ Liability Included Standard
Appetite Extends to Social Clubs & Snooker Halls
FREE £5,000 Goods in Transit Cover
FREE Personal Assault Cover

Our Public House product 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. AmTrust Euope Ltd underwrite the material damage cover and Ascot underwrite the liability sections of cover.

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 and Benefits

  • Removal of Debris Cover – Up to £25,000
  • Locks & Keys Replacement Cover – Up to £1,000
  • Architects, Surveyors, Legal Fees – Up to £25,000
  • 25% Seasonal Stock Increase Cover
  • Temporary Removal Cover – Up to 10% of Contents Sum Insured
  • Loss of Utilities Cover
  • Garden Furniture – Up to £500
  • Loss of Metered Water – Up to £5,000
  • Rent Payable Cover
  • Trace & Access Cover – Up to £2,500
  • Denial of Access Cover
  • Alternative Residential Accommodation Cover

For further information on Limits and Exclusions please click here (AmTrust Europe Ltd & Ascot Group’s Syndicate 1414 at Lloyd’s) and click here (Ascot Group’s Syndicate 1414 at Lloyd’s) to download the policy documentation.

Optional Extras

  • Legal Expenses Cover
  • Terrorism Cover
  • Outside Caterers’ Liability Cover
  • Loss of Licence Cover

Insurer Rating


AM Best


AmTrust Europe Ltd



Ascot Group’s Syndicate 1414 at Lloyd’s