Pub Insurance: Liability, Cost & Quotes From $11/mo

 

There are various risks that come with having a public house. However worry no more. Public house insurance offers the most useful policies that your pub needs to adequately cover the lawsuits from third parties, protect employees, and comply with the insurance requirements. 

This article guides you on pub insurance, the functions of policies including the cost of premiums, and the best companies. 

Pub Liability Insurance

General liability, product liability, and liquor liability policies are considered as public liability insurance. The sections below explain how each of these works. 

General Liability Insurance for Pubs

Accidents involving customers can be very costly. You’ll spend thousands or millions depending on the severity of the customer’s injury or the priciness of the damaged property.  Your pub can operate without worrying about the cost of claims for bodily injuries or property damage with the help of general liability insurance.

Here the insurance company offers the best general liability policy in its pub and restaurant insurance package.

 

CoverWallet  NEXT (Best) Thimble  FLIP Hiscox
Per occurrence limit  $1,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $100,000
Waiver of subrogation included? Yes No Included Excluded Can be included
Hired/non-owned auto liability coverage included? Yes No Excluded Excluded Can be included
Food-borne illness endorsement included? No  Yes Yes Yes Can be included
Can you get a certificate of insurance online? Yes Yes Yes No  Yes
Name additional insureds? Yes Yes Yes No  Yes
Deductible $0 $0 $0 $0 $0

Liquor Liability Insurance for Pubs 

Include a liquor liability policy to a commercial pub insurance if some of your pub’s sales come from beer, wine, spirits, and other types of liquor.

The liquor liability insurance limits available will be determined by your pub’s sales from alcohol. But for starters, expect insurance companies to sell $500,000-$1 million liquor liability insurance.

What is Product Liability Insurance?

A product liability policy is the pub business insurance that will take care of costs if a guest files a claim after experiencing nausea, allergic reactions, breathing difficulties, headaches, dizziness, and other conditions after consuming your beverages and dishes. 

 

Commercial Property Insurance for Pubs

A commercial property policy in pub and bar insurance protects your physical location against fire, theft, vandalism, weather, lightning, and other covered perils. Use the table above to see which insurance company offers the best commercial property insurance for pubs. 

CoverWallet NEXT (Best) Thimble Hiscox
Building coverage limit (minimum) $50,000 $25,000 $25,000/$500,000 $25,000
Contents coverage limit (minimum) $50,000 $25,000 $25,000/$500,000 $15,000
Outdoor signs Excluded $2,500 Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Included
Money and securities Excluded $2,500 $1,000 Included
Lock and keys  Excluded $2,500 Excluded Included
Business interruption floater Excluded Included Included Included
Equipment breakdown floater Excluded Included Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded

Pub Contents Insurance

Pub contents insurance is an automatic add-on to the commercial property policy of pub business insurance bundles. 

This grants coverage if the covered exposures in the language of commercial property insurance cause the damage or destruction of lighting, furniture, utensils, cooking equipment, and other valuables inside your pub. 

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Business Owner’s Policy for Pubs

A business owner’s policy allows you to enjoy a discount on premiums. Moreover, it fuses your general liability policy and commercial property insurance into one policy document. And this makes things easier.

CoverWallet NEXT (Best) Hiscox Thimble 
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $300,000 $25,000 $25,000/$500,000
Optional policies can be added? Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes

Tools and Equipment Insurance for Pubs 

Tools and equipment insurance solely covers the valuables that are integral for the operations of your pub such as sound systems, cooking equipment, lighting, beverage dispensers, point of sale machines, and telephone.

NEXT  Thimble Hiscox
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No
Miscellaneous equipment also covered? $5,000/$10,000 No Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes
Deductible $500 $500 $0

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Workers Compensation Insurance for Pubs 

One of the requirements for operating a pub legally is purchasing workers’ compensation insurance. Workers’ compensation insurance will take care of medical treatment, lost wages, medication, and even death benefits if a part-time or full-time employee sustains a work-related injury or disease. 

Other Types of Insurance to Consider Getting 

The following are endorsements and additional insurance policies that might be offered in your pub business insurance package. 

Cargo Insurance

Cargo insurance is coverage for incoming stocks and equipment. If the stocks and equipment you’re about to receive get damaged or lost during transit due to fire, theft, vandalism, or mysterious disappearance, cargo insurance will reimburse your losses. 

Pub Insurance Cost 

The average cost of pub insurance is $85 per month or $1,020 per year for a $1 million general liability coverage. This pub insurance cost estimate is based on the following factors:

  • Location
  • Deductibles
  • Claims history
  • Policy limits
Cost per Month Cost per Year Deductible
Liquor liability insurance $115 $1,380 $500-$1,000
Commercial property insurance $105 $1,260 $1,000-$2,500
Business owner’s policy $180 $2,160 $500-$1,000
Workers compensation insurance $200 $2,400 $2,000-$5,000
Employee dishonesty insurance $90 $1,080 $1,000
Cargo insurance Depends on the value of cargo Depends on the value of cargo $500-$1,000

 

Compare Cheap Pub Insurance Quotes Online

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Best Pub Insurance Companies

NEXT 

NEXT doesn’t have a pub insurance package. However, it can cover you through its restaurant insurance. 

Average cost: $25 per month

Our rating: 10/10

Pros

  • Best overall
  • Issues an online proof of insurance instantly
  • Fastest general liability insurance for pubs
  • Great customer service and reputation
  • Excellent rates
  • Outstanding value for money
  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

CoverWallet 

CoverWallet covers pubs through its food and accommodation insurance package.  Since this company is an insurance broker, the policies that comprise the insurance bundle provided will come from partners. 

Average cost: $39 per month

Our rating: 10/10

Pros

  • Compare quotes online
  • Name an unlimited number of landlords in your general liability policy
  • Waiver of subrogation included
  • Easy online policy management 

Cons

  • Not an insurance company but an insurance broker 

Tivly 

Tivly is sure to grant coverage even if no other carrier is willing to help you out. It doesn’t sell a pre-made pub and bar tavern insurance package. Instead, your policy bundle is created based on the characteristics of your business. 

Average cost: $40 per month

Our rating: 10/10

Pros

  • Responsive customer service
  • Insurance companies will recommend Tivly if they can’t help you out
  • A trusted partner of many carriers
  • Compare quotes over the phone

Cons

  • You need to call to get a quote 

Thimble

Thimble doesn’t have a pub insurance package and will cover you through Tivly’s help. However, Thimble’s restaurant insurance program is available for public houses. 

Average cost: $40 per month

Our rating: 9/10

Pros

  • Issues an online certificate of insurance
  • Sells an event insurance bundle if your pub organizes events 
  • On demand coverage
  • Quick to issue an estimate of your rates

Cons

  • Refers customers to Tivly

Hiscox 

Hiscox covers pubs through its restaurant insurance program.  Hiscox allows you to customize your limits and even include upgrades. As for its ultimate perk, Hiscox is good because your coverage renews automatically every year. 

Average cost: $45 per month

Our rating: 9/10

Pros

  • Get covered online or with the help of an agent
  • Seamless claims filing
  • Offers a discount on the premiums of its business owner’s policy

Cons

  • Has a lot of negative feedbacks from BBB

 

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