Pub insurance

Licensed trade insurance for pubs

Owning a pub means assuming responsibility for the safety of your guests at all times while they are on your property. You will also have staff to protect and legislation to adhere to.

For a great variety of pubs, Towergate Risk Solutions Great Yarmouth has become synonymous with dependable pub insurance. Our extensive knowledge of the risks faced by pub owners and our experience of providing bespoke solutions to them has given us a greater understanding of the insurance requirements of pubs and inns. We are happy to consider premises with special requirements, such as listed buildings, thatched roofs or those that have suffered from subsidence.

Towergate Risk Solutions Great Yarmouth tailors policies to clients' specific needs, however precise. We have specially negotiated arrangements with insurers who have detailed knowledge of licensed premises and related insurance risks.

Summary of features

Trade contents and stock

• Includes accidental damage as standard
• Automatic seasonal stock increase of 50%

Loss of income

• (2 years) from £750,000

Business money

• On premises during business hours/in transit: £5,000
• In locked safe: £1,500/£3,000 (higher limits available)
• In machines: £2,000
• Outside business hours not in safe: £500

Glass

• Covered to full reinstatement value
• Ornament glass: £2,000 as standard

Liability to others

• Public/products: £2 million (higher limits available)
• Employers' liability: £10 million to remain the same

Deterioration of stock £2,500

• Cellar cooling equipment with a maximum of £50,000 for any one claim

Goods in transit

• Standard cover: £5,000

Legal expenses covered as standard

Cover options

Towergate Assist

• Assistance with preparing and negotiating claims over £5,000 (excluding subsidence and liability)

Buildings cover

• Cover up to the full reinstatement value

Domestic contents cover

• With optional worldwide cover

Risk management

• Risk management through Inn Compliance

Policy Features can vary from policy to policy therefore you should check any policy wording carefully.