Running a pub involves a wide range of responsibilities, from managing staff and customers to protecting your premises and licence. Thornhill Insurance has been arranging pub insurance for licensed premises for over two decades, providing tailored cover that reflects the unique risks faced by public houses.
Our commercial team understands the demands of operating licensed premises and works closely with specialist insurers to arrange comprehensive pub insurance policies. By tailoring cover to your business, we ensure your insurance provides reliable protection at a competitive price.
From liability claims to loss of income following an insured event, having the right pub insurance in place allows you to focus on running your business with confidence.
We never compromise on cover
Our packages can be built around the following:
Frequently Asked Questions About Pub Insurance
What is pub insurance?
Pub insurance is designed to protect public houses against risks such as customer injury, property damage, loss of income and staff related claims.
Is public and products liability included?
Yes. Public and products liability insurance is included as standard and can be arranged with cover up to £10 million.
Do I need employers’ liability insurance?
If you employ staff, employers’ liability insurance is a legal requirement and can be included with cover up to £10 million.
What is loss of liquor licence cover?
Loss of liquor licence cover protects your business if your licence is suspended or revoked due to insured circumstances.
Does pub insurance include business interruption cover?
Yes. Business interruption insurance can be included to protect your income if you are unable to trade following an insured event such as fire, flood or theft.
Can buildings and contents be insured?
Yes. Buildings, fixtures and fittings, contents and stock can all be included within your policy.
Are wines and spirits covered?
Yes. Wines, spirits and other stock can be insured, subject to policy terms.
Is goods in transit cover available?
Yes. Goods in transit cover can be added where required.
Tailored Insurance for Licensed Premises
Licensed premises present risks that require specialist insurance knowledge. Thornhill Insurance works with insurers who understand the hospitality sector and the regulatory environment in which pubs operate.
Our tailored approach ensures your policy reflects your premises, trading hours, staffing levels and services offered. This helps avoid gaps in cover and ensures your insurance responds when you need it most.
With ongoing policy reviews and access to expert claims support, your pub insurance remains suitable as your business evolves.
Our Office
Address: 334 Huddersfield Road, Mirfield, WF14 9DQ
Email: info@thornhillinsurance.co.uk
Phone: +44 (0)1924 499182
Freephone: 0800 8818841
Fax: +44 (0)1924 480106