£1,093
Insurance for Public Houses
- Customers typically save 30% * with us.
- Quotes from a panel of A-rated insurers. We'll search the market for you.
- Feefo Platinum Trusted Service Award winners.
Smei: Why Choose Us
Being a landlord of a pub comes with numerous risks and challenges, from the safety of your staff and customers, to maintaining your stock and suppliers.
Smei is passionate about championing the UK pub industry. That’s why we make sure your business is protected against risks so you can concentrate on running your pub.
Because we’re a broker, we have access to flexible pub insurance quotes and policies from a selection of UK insurers. This means you can pick and choose which types of cover you need to protect your business. We can help to arrange an all-encompassing public house insurance policy that provides protection for the risks you face.
Whether you run a family-friendly country pub or a lively city bar, we can arrange a bespoke pub insurance policy to suit you.
Speak to our team of experts in pub insurance for a free, no obligation quote.
You Could Save Over 30% with us*
List of Covers and Features
Standard covers**
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£2 million and £5 million for public and product liability
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Professional liability
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Employers liability insurance
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Contents insurance
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Flexible payment options including direct debit
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Access to a 24-hour legal helpline
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Access to documents anytime, anywhere via our secure portal
Optional covers
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Increased public liability up to £10 million
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Buildings cover
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Business interruption
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Embedded breakdown
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Business front window
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Goods in transit
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Legal expenses
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Loss of rent receivable
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Money in safe
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Money on premises
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Subsidence
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Tenants improvements
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Terrorism
Premiums from as little as:
In the past 12 months our customers have paid as little as £1093 per annum for pub insurance. That’s just £21 per week!
50% of our pub insurance customers paid less than £2026 per annum.***
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
***Data compared from 316 policies sold in 2023. 66 customers paid £1,093 or less, which represents 21%. £21 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.
Frequently asked questions
Some types of insurance may be a legal requirement. Others may not be compulsory, however not having the right insurance for your business could be a false economy. For example, if you don't have the necessary protection in place and an incident occurs, you could be liable to pay costs or compensation. Therefore, it makes sense to match your insurance protection to your requirements. This should provide you with peace of mind that a claim won't be damaging to your business should the worst happen.
The cost of your insurance policy depends on your needs. Our flexible policies can be tailored to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers – each with different features and prices. We’ll find you several possibilities to ensure you have all the information you need before deciding on the best option for you.
Pubs often provide more than just food and drink facilities. You may host parties, wedding receptions, or have guestrooms available for short stays. Whatever your requirements, talk to one of our insurance specialists and we’ll be able to arrange an appropriate policy for your business.
In general, you should consider business interruption cover to protect you against unexpected loss of income. If you own your building, buildings insurance will provide cover for the rebuilding cost of your premises should an incident occur that is covered under your policy.
You need two types of licence to run a pub: a premises licence and a personal licence. But you need to meet certain criteria first. Read our full article: "How do I get a pub licence" to find out more. I run a pub, am I responsible for arranging the business insurance? Pub freeholders are responsible for ensuring their policies are appropriate and up-to-date, while leaseholders may only be responsible for the contents. This is all detail that needs to be known when discussing your requirements with a broker.
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