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

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. Pub Liability Insurance2. General Liability Insurance for Pubs2.1. What Can General Liability Insurance Do for Your Pub?2.2. What Specific Expenses Can Your Pub’s General Liability Policy Cover?   2.3. Will General Liability Insurance Cover Your Business Equipment?2.4. Public Liability Insurance for Pubs 3. Liquor Liability Insurance for Pubs 3.1. What is the Function o f Liquor Liability Insurance? 3.2. How Much Liquor Liability Coverage Can Your Pub Get?4. Product Liability Insurance for Pubs 4.1. What is Product Liability Insurance?4.2. Aside From Medical Treatment and Legal Expenses, Will Product Liability Insurance Cover Investigations and Fines From Health Boards?5. Commercial Property Insurance for Pubs5.1. How Do You Use Commercial Property Insurance?5.2. Are Rented or Leased Buildings Also Covered?5.3. Does Commercial Property Insurance Protect the Valuables Inside My Pub’s Physical Space?5.4. Are the Destruction of Food Ingredients Covered?6. Pub Contents Insurance7. Unoccupied Pub Insurance8. Business Owner’s Policy for Pubs9. Tools and Equipment Insurance for Pubs 9.1. What Exposures Does Tools and Equipment Insurance Cover?10. Workers Compensation Insurance for Pubs 10.1. My Pub is a Family-Run Business. Do I Still Need Worker's Compensation Insurance?10.2. What is the Main Benefit of Getting Workers' Compensation Insurance?11. Other Types of Insurance to Consider Getting 11.1. Customer Property Insurance11.2. Food Spoilage and Contamination Insurance11.3. Cargo Insurance11.4. Employee Dishonesty Insurance11.5. Employer’s Liability Insurance12. Pub Insurance Cost 13. Best Pub Insurance Companies13.1. NEXT Pub Insurance 13.1.1. Pros13.1.2. Cons13.2. CoverWallet Pub Insurance 13.2.1. Pros13.2.2. Cons13.3. Tivly Pub Insurance 13.3.1. Pros13.3.2. Cons13.4. Thimble Pub Insurance 13.4.1. Pros13.4.2. Cons13.5. Hiscox Pub Insurance 13.5.1. Pros13.5.2. Cons13.6. FLIP Pub Insurance 13.6.1. Pros13.6.2. Cons

Bad things can happen at your public house. Guests can file a claim for property damage, bodily injuries, or foodborne illness. The kegs and crates can hurt employees and unsuspecting patrons. Perishable goods can spoil or get contaminated. Last but not the least, the beer, spirits, wine, and other liquor in stock can catch a fire and cause utter devastation. 

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. 

Read this guide to know the functions of policies included in pub insurance, the cost of premiums, and the best companies. 

Pub Liability Insurance

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


General Liability Insurance for Pubs


CoverWallet NEXT (Best)Thimble FLIPHiscox
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?YesNoIncludedExcluded
Can be included
Hired/non-owned auto liability coverage included?YesNoExcludedExcluded
Can be included
Food-borne illness endorsement included?No YesYesYesCan be included
Can you get a certificate of insurance online?YesYesYesNo Yes
Name additional insureds?YesYes
YesNo Yes
Deductible$0$0$0$0$0


Your pub makes money by admitting people and serving them with liquor and food. It follows that your business is responsible if something happens to its guests.

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. Use the table above to see which insurance company offers the best general liability policy in its pub and restaurant insurance package. 


What Can General Liability Insurance Do for Your Pub?

General liability insurance, which is also included in bar insurance programs,  enables your pub to cover the cost of bodily injury claims and property damage claims that guests, independent contractors, businesses, and other third parties file.  Use this when:

  • A guest slips and falls on the premises of your pub

  • An employee accidentally pours hot liquids on a guest

  • A guest cracks their hips because of a defective chair

  • An employee accidentally injures a the drunk customer while escorting him or her out of your pub 


What Specific Expenses Can Your Pub’s General Liability Policy Cover?   

Your pub’s general liability policy is designed to cover these expenses:

  • Medical treatment of the claimant

  • Reimbursement for the damaged property of the claimant

  • Settlements

  • Defense costs

  • Court judgments


Will General Liability Insurance Cover Your Business Equipment?

Yes. When you’re purchasing a general liability policy, the insurance company might ask if you need a business equipment endorsement. By adding this, your general liability policy can cover the repair or replacement of juicers, carts, and other equipment. 


Public Liability Insurance for Pubs 

Public liability insurance for pubs is a coverage that works the same way as general liability insurance. You can use this to cover claims for bodily injuries or property damage that third parties file. Aside from the function, the limits are also the same. The difference lies in commonality. Public liability insurance is commonly sold in the UK, whereas only a few insurance companies sell this in the USA. 


Liquor Liability Insurance for Pubs 

Include a liquor liability policy to a commercial pub insurance bundle if some of your pub’s sales come from beer, wine, spirits, and other types of liquor. You can purchase this type of public house liability insurance as a stand-alone coverage or as an add-on to general liability insurance. 


What is the Function of Liquor Liability Insurance?

Liquor liability insurance, which is a common inclusion in nightclub insurance bundles,  functions to provide protection if your pub faces a claim for bodily injury or property damage after any of these happens:

  • An intoxicated guest trips over something while exiting the premises of your pub

  • An intoxicated guest starts a fight and hurts others

  • An intoxicated guest experiences a health condition while spending their time drinking in your pub 


How Much Liquor Liability Coverage Can Your Pub Get?

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


Product Liability Insurance for Pubs 

Your pub, in contrast with a bar, sells a wider variety of dishes that guests can consume along with their drinks. 

Other problems that you face are food poisoning and food-borne illness claims. These can’t be covered by general liability or liquor liability insurance. That said, you’ll need product 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. 


Most likely not. Insurance companies exclude investigations and fines from health boards in the language of their product liability coverage. 

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Commercial Property Insurance for Pubs


CoverWalletNEXT (Best)ThimbleHiscox
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 signsExcluded$2,500ExcludedIncluded
Accounts receivableExcludedExcluded$5,000/$10,000Included
Money and securitiesExcluded$2,500$1,000Included
Lock and keysExcluded$2,500ExcludedIncluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000Excluded
Employee dishonesty floaterExcluded$5,000$2,500Excluded


It’s smart to purchase insurance for your pub’s physical location. In case a fire happens, all that you’ve spent on materials, furniture, lighting, interior decor, and amenities will be reduced to nothing.

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.


How Do You Use Commercial Property Insurance?

You use commercial property insurance to receive money from the insurance company that’s equal to the original construction cost or present market value of your pub’s building, which got damaged or destroyed because of fire, theft, vandalism, lightning, riot, sinkhole collapse, volcanic action, and other covered perils.


Are Rented or Leased Buildings Also Covered?

Contrary to the popular belief, commercial property insurance doesn’t only grant coverage if you own your pub’s physical space. Coverage also applies even if you’re just renting or leasing it. In fact, most landlords ask tenants to purchase commercial property insurance and name them as additional insureds.


Does Commercial Property Insurance Protect the Valuables Inside My Pub’s Physical Space?

Yes. Commercial property insurance will cover cooking equipment, utensils, lighting, computers, furniture, and other valuables inside your pub’s building. Note that the amount of coverage you’ll get will be equal to the estimated value of your pub’s contents.


Are the Destruction of Food Ingredients Covered?

Yes. Commercial property insurance will reimburse your financial losses if food ingredients stored somewhere in your pub get damaged or destroyed because of fire, theft, vandalism, and other covered perils. Food contamination and spoilage aren’t covered by this policy.


Pub Contents Insurance

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


Unoccupied Pub Insurance

Unoccupied pub insurance is what most know as unoccupied commercial property policy that underwriters design for unleased or unrented buildings.

Unoccupied commercial property insurance grants coverage to damage or destruction caused by fire, lightning, theft, vandalism, explosion, and other exposures.

This may also come with a public liability or general liability endorsement that will take care of expenses if a prospective tenant, property inspector, or any other third party sustains property damage or bodily injuries while on the premises of the unoccupied building.


Business Owner’s Policy for Pubs


CoverWalletNEXT (Best)HiscoxThimble
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?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


Insurance companies might ask if you want to buy your general liability and commercial property insurance through a business owner’s policy. Say yes, because they’re helping you get covered with ease at the least possible cost.

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. For example, if a landlord asks for proof of general liability coverage, he or she will also receive a proof of your commercial property insurance since what you have is a business owner’s policy.


Tools and Equipment Insurance for Pubs


NEXTThimbleHiscox
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/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoYes
Offered as an endorsement to general liability insurance?YesYesYes
Deductible$500$500$0


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, telephone, etc.

Use the table above to see which insurance company offers the best tools and equipment insurance for pubs.


What Exposures Does Tools and Equipment Insurance Cover?

Tools and equipment insurance will cover the repair or replacement of equipment that was damaged or destroyed because of:

  • Fire

  • Theft

  • Vandalism

  • Electrical breakdown

  • Electrical surge

  • Mechanical breakdown

  • Operator error


Workers Compensation Insurance for Pubs

Your pub is fast-paced. Those in the kitchen can sustain bruises and cuts. The waiting staff can slip and fall. Even your cashiers might sustain repetitive stress injuries in the shoulders, arms, and wrists.

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.


My Pub is a Family-Run Business. Do I Still Need Worker's Compensation Insurance?

This depends. In some states, family members working for a business are not considered as employees. Therefore, there’s no need to get workers' compensation insurance if you’re operating a pub in such locations. On the other hand, you really need to purchase this insurance if you’re in a state which has the opposite perspective.


What is the Main Benefit of Getting Workers' Compensation Insurance?

The main benefit of workers' compensation insurance is that it allows you to enjoy the protection of exclusive remedies. An exclusive remedy is a legal principle wherein employees can’t sue employers for a work-related injury or disease when they're provided with workers' comp benefits.


Other Types of Insurance to Consider Getting

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


Customer Property Insurance

Customer property insurance is an endorsement to the commercial property policy or general liability policy of hotel and pub insurance programs. This reimburses the estimated value of a patron’s property that got lost while being kept in your custody.


Food Spoilage and Contamination Insurance

Food spoilage and contamination insurance is another endorsement to a commercial property policy.

You can use this to get money from the insurance company if good ingredients get spoiled, damaged, or contaminated under controlled conditions due to pests, equipment breakdown, employee error, and prolonged power interruption.

Depending on which insurance company you work with, food spoilage and contamination insurance might also cover cleanup and disinfection of equipment.


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, jettison, negligence, or mysterious disappearance, cargo insurance will reimburse your losses.


Employee Dishonesty Insurance

Employee dishonesty insurance will take care of the financial losses if a manager, clerk, cashier, or any other employee of your pub commits forgery, embezzlement, credit card fraud, social engineering, and theft. Insurance companies may even underwrite this policy to provide further coverage for investigation and research expenses.


Employer’s Liability Insurance

Employer’s liability insurance is an add-on to general liability or commercial property insurance that will cover settlements, legal defense, and court judgments if an employee sues for negligence after experiencing a work-related injury or disease.

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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. Premiums for the liability coverage of unoccupied pub insurance are significantly cheaper and will cost $80 per month or $960 per year. This pub insurance cost estimate is based on the following factors:

  • Location

  • Deductibles

  • Claims history

  • Policy limits


Refer to this table to further know the pub insurance average cost based on the monthly and annual rates of other policies we discussed:


Cost per MonthCost per YearDeductible
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 insuranceDepends on the value of cargoDepends on the value of cargo$500-$1,000


Here’s another table that shows the cost of a $1 million general liability policy from insurance companies where you can get cheap pub insurance quotes online:


Cost per MonthCost per YearBest for
FLIP$20$245Pubs looking for an insurance company that only caters to the needs of food businesses
NEXT$25$300Best overall; Fastest general liability insurance for pubs
CoverWallet$39$468Pub insurance online quotes comparison
Tivly$40$480Comparing pub insurance quotes over the phone
Thimble$40$480On-demand coverage for pubs
Hiscox$45$540Insurance for pubs with automatic policy renewal


Compare quotes to get the best coverage. Start by clicking the “Get Quotes” button on this page. This will then take you to a public house insurance quotes comparison platform powered by one of our partners. 

Compare Cheap Pub Insurance Quotes Online

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Best Pub Insurance Companies

The reviews below allow you to take a glimpse of the pros and cons of the best pub insurance companies. We’ve also made sure to include the average cost of their $1 million general liability insurance. Read so that you know what to look for when searching for the right coverage on your own. 


NEXT Pub Insurance

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

NEXT doesn’t have a pub insurance package. However, it can cover you through its restaurant insurance. Here’s a quick summary of the policies available and their limits:

  • $1 million-$2 million general liability insurance with foodborne illness coverage 

  • $25,000 commercial property insurance

  • Workers' compensation insurance with employer’s liability coverage

  • Business owner’s policy

  • $3,000-$10,000 tools and equipment insurance


Best for: Best overall; Fastest general liability insurance for pubs

Average cost: $25 per month

Our rating: 10/10


CoverWallet Pub Insurance

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 

CoverWallet covers pubs through its food and accommodation insurance package. Note that since this company is an insurance broker, the policies that comprise the insurance bundle provided will come from partners. Here are the features of your coverage from CoverWallet:

  • $1 million-$2 million general liability insurance

  • $50,000 commercial property insurance

  • $1 million liquor liability insurance

  • Business owner’s policy

  • Workers compensation insurance


What makes CoverWallet good is that it doesn’t force a single quote on you. Instead, it helps you find the best coverage through its platform that generates multiple quotes you can compare online. 

Best for: Pub insurance online quotes comparison

Average cost: $39 per month

Our rating: 10/10


Tivly Pub Insurance

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 

Tivly (formerly CommercialInsurance.NET) 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. Because of this, you can only compare quotes over the phone by calling a representative

Best for: Comparing pub insurance quotes over the phone

Average cost: $40 per month

Our rating: 10/10


Thimble Pub Insurance

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

Thimble doesn’t have a pub insurance package and will cover you through Tivly’s help. But if you’re really set on working with this company, try contacting a representative online to know if Thimble’s restaurant insurance program is available for public houses. 

Best for: On-demand coverage

Average cost: $40 per month

Our rating: 9/10


Hiscox Pub Insurance

Pros

  • Get covered online or with the help of an agent

  • Seamless claims filing

  • Automatic policy renewal

  • Offers a discount on the premiums of its business owner’s policy

Cons

  • Has a lot of negative feedbacks from BBB

Hiscox covers pubs through its restaurant insurance program. Policies offered are general liability insurance and business owner’s policy. Note that 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. This means that you don’t have to keep tabs on when your policy will expire. 

Best for: Insurance for pubs with automatic policy renewal

Average cost: $45 per month

Our rating: 9/10


FLIP Pub Insurance

Pros

  • Specializes in food and beverage businesses

  • Tools and equipment insurance is very comprehensive

  • Offers numerous endorsements

  • Easy to get in touch with customer service

Cons

  • Pricey add-ons

FLIP’s public house insurance is available for pubs that sell alcohol and those that don't sell alcohol. Your insurance package from this company will offer general liability, tools and equipment, and liquor liability insurance. What makes FLIP great is that it solely grants coverage for food businesses and nothing else. 

Best for: Pubs looking for an insurance company that only caters to the needs of food businesses

Average cost: $20 per month

Our rating: 10/10


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