Pub & Restaurant Insurance

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If you run a pub and restaurant. insurance will be essential. This is your line of defence against many of the most critical risks which could impact business performance. From protecting your stock to paying for the damage, the right policy could be a lifesaver. 

Without insurance protection, you may be forced to foot the bill in the event of an incident.  What would you do if you lost your liquor licence or were not able to trade following a fire or flood?  What if one of your customers was injured on the premises or your restaurant shopfront was vandalised?  These types of incident can, and do, occur and insurance is the safety net you will need.

At Brisco Business, we help people of all kinds of businesses find the right insurance policy for their specific requirements. With us, you can browse policies and tailor the precise amount of cover to protect yourself, your staff and your business.

We partner with some of the UK’s most trusted pub & restaurant insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

Brisco Business Insurance Selector

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You should make sure the policy you choose meets your demands and needs during the quotation process.

How brisco Business Insurance Works

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Complete our simple quote form with basic details about your business

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How do I find the right bar & restaurant insurance?

Generic insurance policies may not provide all the protection you need which is why you need to tailor it to your specific sector. For example, you may attract different types of customers, at different times. Cover requirements will vary for each business so the more bespoke a policy can be, the better.  You can use our quote tool to get quotes and compare covers from a wide range of insurers.

What if I have to close my business?

Every day your doors are closed represents lost revenue. That’s why it’s so important to cover for any interruption to your business. This can keep money coming in until you’re ready to reopen.  Subject to your property being damaged, any period of closure will be covered by your insurer and you will be compensated for lost profits until you are able to trade again.

How are premiums decided?

Firms will look at the value of your property, the number of staff you have, the level of cover you want and how many claims you have made in the past five years. They may also look at the number of customers and type of restaurant to assess how big a risk you might be.

How do I know how much cover I need?

Calculate the total rebuild cost of your restaurant or pub. This will tell you how much cover you will need in case the worst happens. Work out how much it will cost to replace all your contents. This will ensure you have adequate cover in place for every eventuality.

What covers are included in a pub & restaurant insurance policy?

While this depends on a few factors, your standard policy for your pub/restaurant will likely include public liability insurance which provides cover for any injuries sustained to customers on your premises. This is one of the most important covers for your business. It will also include things like buildings insurance to protect your premises and stock insurance in case it is lost or damaged. Loss of licence and deterioration of stock cover is also important for pubs and restaurants and tailor made packages for pubs and restaurants will provide these covers for you.

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