Pub Insurance

Image of inside a pub UK

SME Insurance

Pub Insurance

Running a pub or bar carries risks for all involved – from the staff to the owner, the customers and even any property next door!

Erskine Murray can help you to build out the right insurance policy to take care of the risks your pub faces. Even if you are forced to close for a short while, there is cover to help tide you over. Whether you work alone, or you employ staff, we can help you to find the right cover for your pub business.

Insurance for Licensed Premises

Many pub landlords, owners and bar managers know that there are risks in running a pub. Simply offering a service to the public means you will face claims made by people should they be injured as a result of your business. If you own the building your pub is located in, business buildings insurance will be a valuable policy for you and if you employ any staff, you will certainly need to take out employers’ liability cover.

Insurance Policies for Pubs

Here are just a few examples of the policies many pub owners and bar managers may find useful:

  • Public Liability Insurance: this covers you if a member of the public makes a claim for injury or damage to their property as a result of your business. There are different levels of cover available.
  • Employers’ Liability cover: this is a legal requirement if you employ any staff to work for your pub, from permanent and full time members through to temporary and casual staff. It covers any claims made by staff if they are injured or become ill due to working for your business.
  • Pub Contents Cover: this policy can cover the cost of replacing or repairing the contents of your pub, along with fixtures and fittings such as the bar areas and surfaces.
  • Business Interruption Insurance: this is a useful add on to most policies, covering lost income should you need to close your business for a while (such as in the event of a flood or fire).

Why Choose Erskine Murray

Erskine Murray are a leading, independent insurance broker specialising in business insurance. We work with a carefully curated range of insurance partners who offer a wide range of insurance policies specially designed for business owners. We can help you to choose the right insurance products which will suit the unique risks faced by your business and help you to effectively cover your business.

SME Insurance by Sector

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Business Interruption

Business Interruption insurance, also known as BI, is a much-misunderstood cover which can often be overlooked by small business owners.

Food and Drink Insurance

Food and drink industry continues to rapidly expand in the UK including a huge variety of different risks to be aware of.

Product Liability

Product liability insurance can cover the cost of compensation claims that are made against you in relation to a product that you've sold.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.