Find a specialist pub insurance broker
Pubs are rated on late opening, entertainment, food sales and wet-led versus dry-led trade. CoverBroker matches you with a licensed-trade broker who places pub risks every day.
Free, no obligation — you don't pay a fee to be matched.
How we match your pub risk
The right pub insurance broker depends on your trading style, premises and licensing. When you submit an enquiry we ask about these, then match on the criteria below.
Trading style
Wet-led, gastro, tied or freehold — we match you with brokers who know the licensed trade inside out.
Late nights and events
Live music, DJs and late licences load premium. The right broker presents yours to markets that welcome hospitality.
Buildings and contents
Brokers who value older and listed premises correctly, including fixtures, cellar stock and outside areas.
Liability and interruption
Public and employers' liability plus business interruption sized to your turnover, including loss of licence options.
Your documents are safe
Upload your current pub policy schedule, statement of fact, premises licence or renewal invitation. Here is exactly how they are handled.
Secure storage
Your insurance documents are encrypted at rest and shared only with your matched broker.
GDPR-ready
UK & EU data protection. You can delete your documents at any time.
No obligation
Free to use. If the broker cannot improve on your current terms, you simply stay where you are.
Pub insurance questions
- What does pub insurance cover?
- A typical pub insurance package combines buildings and contents, stock (including wines and spirits), public and employers' liability, business interruption, money cover and often loss of licence. A specialist broker tailors the package to whether you are a tenant, leaseholder or freeholder.
- What is a pub insurance broker?
- A pub insurance broker specialises in the licensed trade — pubs, bars and late-night venues. They know which insurers accept entertainment, late opening and high stock values, and can arrange covers like loss of licence that generic packages leave out.
- Why is pub insurance more expensive than standard business cover?
- Insurers price in late opening hours, alcohol sales, entertainment and public liability from customers. A specialist broker presents your risk management — CCTV, door policies, training — so well-run pubs aren't rated like problem venues.
- I'm a tied tenant — what cover do I need?
- Usually your own contents, stock, liability and business interruption, while the pub company insures the building. A broker checks your tenancy agreement so you only buy what you're responsible for.
- What documents help a pub insurance broker quote accurately?
- Your current policy schedule, statement of fact, premises licence and renewal invitation. Details of entertainment and opening hours help too. Upload whatever you have — your matched broker will tell you if anything else is needed.
- Is the introduction and AI review free?
- Yes. The introduction to a specialist pub insurance broker and the optional AI review of your current policy are both free. If a broker takes your enquiry forward, they may pay us a referral fee.
Looking for a related specialist? restaurant insurance broker, café insurance broker and hotel insurance broker pages.
Get a pub insurance broker quoting on your renewal
Upload your schedule or statement of fact and we'll introduce you to a specialist pub insurance broker — with an optional free AI review of your current cover.