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Bateman Group Logo
Bateman Group Logo

Pub & Restaurant Insurance



    The cover provided by both our Public House and Restaurant Package has been designed to cover the insurance requirements of this industry.

    Why choose us for your Pub & Restaurant Insurance



    We have access to a variety of major insurers to the Lloyds Market, ensuring we provide you with the right level of cover specific to your individual needs.

    Helping the UK with Pub & Restaurant Insurance since 1967



    Why The Bateman Group?

    • Established since 1967
    • Personal service – nominated point of contact
    • Annual reviews
    • 100% independent consultants with access to whole of market
    • Capacity & experience to place non-standard/specialised risks
    • Experienced ‘in-house’ support team
    • Swift issue of policy documentation
    • Rapid claims handling
    • 3,000 clients across the UK

    Standard Covers:

    • Buildings – including accidental damage & subsidence
    • Contents – both trade & personal including accidental damage
    • Public & Products Liability – £2m standard limit of indemnity (increase available on request)
    • Employers Liability – £10m standard limit of indemnity
    • Theft
    • Business interruption
    • Guest personal property- up to £2000
    • Loss of Money/Personal Assault
    • Goods in Transit
    • Deterioration of Stock
    • Wines & Spirits
    • Frozen & Chilled Foods
    • Loss of License

    Cover for damage to Buildings & Contents insured on an 'All Risks' basis as detailed below:

    • Accidental Damage
    • Aircraft
    • Earthquake
    • Explosion
    • Fire
    • Flood
    • Impact
    • Lightning
    • Riot & Civil Commotion
    • Malicious Damage
    • Storm
    • Subsidence
    • Theft

    Extensions of cover available:

    • All Risks worldwide or Europe wide cover on personal possessions
    • Legal Expenses
    • Fidelity Guarantee
    • Terrorism
    • 24 hour Personal Accident cover

    Pub & Restaurant InsuranceFAQs



    What is Pub & Restaurant Insurance?

    Our Pub & Restaurant Insurance is a bespoke package built specifically for pubs and restaurants to provide cover for day-to-day risks. The package contains everything required to be fully protected as a pub or restaurant, including cover such as buildings, contents, stock, public & product liability, plus many other areas of protection.

    Why do I need Pub & Restaurant Insurance?

    Making sure that you are fully covered in all risk areas is our highest priority for you. We package everything you require in one simple premium, so you can rest assured that we have assessed all areas there could be a potential claim, so you are covered in any unfortunate circumstances.

    What does Pub & Restaurant Insurance cover?

    Our Pub & Restaurant Insurance covers many areas of risk such as damage in a fire or flood which could pay for repairs and rebuild, deterioration of stock, public liability insurance in case of any accidents, as the smallest ones can cause the biggest claims, plus many other areas of protection.

    Our expert insurance advisors will assess your needs and put together the best Pub Insurance package for you to ensure the most comprehensive protection that you require. We aim to source the best cover for you at the lowest price from our panel of insurers.

    How does Pub & Restaurant Insurance work?

    The Pub & Restaurant Insurance package is a selection of covers that you would require to protect your pub or restaurant against the risks it faces on a daily basis.

    The way in which we work out the best Pub & Restaurant Insurance package for you, is we take the time to fully understand your requirements, along with the uniqueness of the way your business works and how everything is set up.

    We go into detail to determine the level of risk that is probable on a daily basis, so we can then build the right bespoke insurance package that would protect your pub or restaurant in any of those unfortunate circumstances.

    What if my business has had claims in the past?

    When a quote is put together for Pub & Restaurant Insurance, we asses your business on an individual basis depending on a number of factors. If you have had claims in the past, we are still able to provide insurance for you, once we establish the whole picture of the risks involved within your business.

    Setting in place risk preventative measures and procedures can dramatically reduce the chances of the claimed risk happening again. These efforts can also help increase the number of insurers that we are able to approach to provide you with the most comprehensive and lowest priced Pub & Restaurant Insurance package in your current state of business risk and previous claims.

    Is it required for my company to have ‘Employers’ Liability Insurance’ if I employ staff?

    If your business employs any staff, such as full-time, part-time, labour-only subcontractors, or even volunteers, then it is a legal requirement for your business to have employers’ liability insurance as part of your Pub & Restaurant Insurance package. This certificate of insurance should also be prominently visible or at least accessible electronically to all employees within your business.

    Can you cover high-value contents and stock?

    Yes, we are able to provide this cover as part of your Pub & Restaurant Insurance package. Insurers will be looking at the type of stock you hold, the value, your business location, any security measures you have in place to prevent any unfortunate circumstances. These are some of the factors that can fluctuate the premium to protect you against these kinds of claims.

    How can I correctly value my contents & stock?

    Yes, we are able to provide this cover as part of your Pub & Restaurant Insurance package. Insurers will be looking at the type of stock you hold, the value, your business location, any security measures you have in place to prevent any unfortunate circumstances. These are some of the factors that can fluctuate the premium to protect you against these kinds of claims.

    How can I correctly value my building?

    Regarding general contents, this would equal today’s market value of the items. For stock, this would be calculated on the replacement value to you as the business. This would depend on where you are in the supply chain and various other factors that enable your pub or restaurant to purchase the insured goods at your current rate.

    Do you provide Pub & Restaurant Insurance in monthly instalments?

    We are able to provide most types of Pub & Restaurant Insurance packages in monthly instalments. Please don’t hesitate to get in touch with one of our insurance experts who will be able to advise on the best solution to ensure the full protection of your pub or restaurant. Please start an online quote at the top of the page or call us on 01926 495 113.