Pub Insurance

in Norwich, Norfolk and Ipswich, Suffolk

Pub Policies

At Drayton Insurance Services we understand that every Pub is unique and can offer so much more than just a place to get a drink - many are cherished community centres, whilst others provide dining accommodation and so much more. Our team of specialists will visit you to discuss every aspect of your business and make sure your pub insurance is covered for every eventuality. From fire to flood, theft or damage, we can tailor a product to suit your every business need.

With this in mind, each insurance policy must be as unique as the business it is covering. Our team of friendly advisers understands this and are experts when it comes to providing quality cover for your Pub.Our team of friendly advisers understands this and are experts when it comes to providing quality insurance coverage for your Pub.

Choosing our local insurance services means that we are able to dedicate more of our attention to you and your Pub, with a real commitment to quality. We have a proven record of success in providing superior and wide-ranging options, with a wide variety of cover options, so we can tailor your policy to your business's requirements.We have a proven record of success in providing superior and wide ranging insurance, with a wide variety cover options, so we can tailor your policy to your business.

Pub insurance cover options include:

  • Public liability cover from £2 million: This provides cover for any injuries to the public or damage to third party property that occurs whilst on your premises.
  • Employers liability cover from £10 million: This safe guards your business against any legal costs or compensation from potentially expensive employee injury claims.
  • Business contents including IT equipment: From your EPOS system, to mounted TV’s and even your furniture. We can insure you against numerous perils including losses through Accidental Damage, Fire, Flood and Theft.
  • Stock (Beer, Wine and Spirits): Build a policy with us that’s tailored to you and the products you have on offer, with insurance that will help absorb the cost of lost or damaged stock.
  • Fixtures and fittings / Tenants improvements: If any damage has been caused to any permanent fixed units and floor coverings.
  • Loss of money and personal assault: Coverage in the case of loss of business money or assault whilst carrying business money.
  • Business interruption: In the case of any loss of income due to an insured unexpected event, helping you put your business back on track.
  • Loss of licence: In the instance where your alcohol license may be lost, we can cover the cost of any failed gross income or reductions in value of your business premises.
  • Goods in transit: We provide coverage for any loss or damage to any goods for the business whilst being transported by vehicle

Contact us today to learn more about our pub insurance policies and how we can help you.


To discuss if you have the best policy for your business, get in touch with our trusted team at Drayton Insurance Services. Call us on 01603 954841 , send us an email or come to visit one of our branches.

What insurance do I need for a pub?

There are a number of different types of insurance cover that pubs need, including:
- Public liability insurance: This insurance covers you for any damage or injury that you cause to third parties while working. This could include customers, clients, members of the public, or even your own employees.
- Employers' liability insurance: This insurance covers you for any claims made by your employees if they are injured while working.
- Buildings insurance: This insurance covers you for the cost of repairing or rebuilding your pub if it is damaged or destroyed by an event such as a fire, flood, or storm.
- Contents insurance: This insurance covers you for the cost of replacing your pub's contents, such as furniture, equipment, and stock, if they are damaged or stolen.
- Business interruption insurance: This insurance covers you for the loss of income if your pub is closed due to an insured event, such as a fire or flood.

What insurance do I need to run a pub?

The specific cover you need to run a pub will depend on the size and type of your business and the services you offer. We will typically look to cover you on a packaged Public House policy, which would include the following cover as standard:
- Public liability insurance: This insurance covers you for any damage or injury that you cause to third parties while working. This could include customers, clients, members of the public, or even your own employees.
- Employers' liability insurance: This insurance covers you for any claims made by your employees if they are injured while working.
- Buildings insurance: This insurance covers you for the cost of repairing or rebuilding your pub if it is damaged or destroyed by an event such as a fire, flood, or storm.
- Contents insurance: This insurance covers you for the cost of replacing your pub's contents, such as furniture, equipment, and stock, if they are damaged or stolen.
- Business interruption insurance: This insurance covers you for the loss of income if your pub is closed due to an insured event, such as a fire or flood.

Why do pubs need insurance?

Pubs need insurance to protect themselves from financial loss in the event of an accident, injury, or other loss. Insurance can help to cover the cost of repairs, medical expenses, and legal fees.

Can I get pub insurance for a single pub or multiple pubs?

Yes, you can get pub insurance for a single pub or multiple pubs. The cost of insurance will vary depending on the number of pubs you own and the level of coverage you require at each location.

What factors affect the cost of pub insurance?

The cost of pub insurance can depend on a number of factors including:
- The amount of cover required for items such as buildings, contents and stock.
- The annual revenue of the business The number of staff or wage roll of the business.
- The location of the business.
- The services you offer (such as paid guest rooms or dining).
- Any previous claims or history of subsidence or flooding.

Does pub insurance cover liability for accidents or injuries that occur on the premises?

Yes, pub insurance typically covers liability for accidents or injuries that occur on the premises. This includes injuries to customers, employees, and even trespassers.

Does pub insurance cover events or functions held at the pub?

Yes, pub insurance typically covers events or functions held at the pub. However, it is important to disclose all types of events or functions that you might have at your pub so we can make sure that your policy will cover these for you.

Are there any exclusions or limitations to coverage under pub insurance?

Yes, it's likely that any Pub Insurance policy will have some exclusions and limitations to coverage. For example, most policies do not cover damage caused by war, terrorism, or natural disasters. It is also unlikely that a policy will cover door staff, functions or events automatically and these should be disclosed to us prior to inception. We will always make you aware of any significant limitations or exclusions prior to your policy starting.

Can I transfer my pub insurance policy if I sell the pub or acquire additional pubs?

Yes, you can typically place additional Pubs on to your existing insurance although sometimes it may be best to take out a separate insurance for these. It may also be possible to transfer your pub insurance policy to a new owner or landlord should you sell the pub, however, you will need to check with your insurance company to make sure that they are willing to do this in good time.

Can I get coverage for stock or inventory stored at the pub?

Absolutely, you can typically get coverage for stock or inventory stored at the pub. This can include wet stock, dry stock and even refrigerated or frozen stock. It's important to make sure that you keep an accurate inventory so that the sum insured can be set accurately.

Are there any discounts available for pub insurance based on safety measures, security systems, or responsible alcohol service practices?

Yes, many insurance companies offer discounts for pub insurance based on safety measures, security systems, or responsible alcohol service practices. These discounts can save you money on your insurance premiums.

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