Does insurance cover customer injuries?

Yes, public liability covers injuries such as slips and trips.

How much does pub insurance cost?

Typically £500–£2,000 depending on size and risk.

Does it cover loss of income?

Yes, business interruption cover applies after insured damage.

Are beer gardens covered?

Yes, if included within the policy.

What happens if I make a claim?

Your insurer investigates and handles the claim if covered.

01792 001350

Affordable Pub and Restaurant Insurance UK

Protect your business with Confidence

Running a pub or restaurant is rewarding, but it also comes with unique risks. From accidental spills and customer injuries to kitchen fires and stock losses, unexpected events can disrupt your business and impact your bottom line. At Miller & Partner Limited, we provide specialist pub and restaurant insurance tailored to the hospitality industry, ensuring you have the right protection in place so you can focus on delivering great food, drinks, and experiences to your customers.

Why your Pub or Restaurant Needs Specialist Insurance

The hospitality sector faces a range of risks that standard business insurance may not fully cover. As a pub or restaurant owner, you need protection that accounts for:

Customer Injuries & Public Liability Risks – Accidents happen, from slips and falls to allergic reactions. Without the right cover, a single claim could cost thousands.

Kitchen Fires & Property Damage – High-risk cooking environments mean fire and water damage are real threats. Protecting your premises is essential.

Loss of Licence – If your alcohol licence is revoked due to circumstances beyond your control, it can have a major financial impact.

Staff Injuries & Employer’s Liability – Whether it’s a kitchen accident or repetitive strain injury, protecting your employees is a legal requirement.

Stock Loss & Spoilage – Perishable goods and high-value stock are vulnerable to theft, equipment failure, and contamination.

Who we Cover?

Our pub and restaurant insurance is designed for a wide range of hospitality businesses, including:

Traditional pubs and gastropubs

Fine dining and casual restaurants

Takeaways and fast-food outlets

Wine bars and cocktail lounges

Cafés, coffee shops, and bakeries

Catering businesses and mobile food vendors

Why Choose Miller & Partner Limited?

At Miller & Partner Limited, we understand the challenges that pub and restaurant owners face. Our expert team works closely with leading UK insurers to find the best cover for your business, ensuring you’re protected against the risks that matter most.

What Sets Us Apart?

Tailored Cover for Hospitality Businesses – We specialise in insuring pubs, restaurants, cafés, bars, takeaways, and catering businesses, ensuring your policy matches your exact needs.

Competitive Premiums & Flexible Policies – We work with top UK insurers to secure the best rates while offering flexible payment options to suit your cash flow.

Expert Advice & Claims Support – With years of experience in the industry, we provide hands-on guidance to make sure your business stays compliant and protected.

Fast & Hassle-Free Process – We make arranging insurance simple, saving you time so you can focus on running your business.

What Our Polices Cover

Public Liability Insurance – Protects you against customer claims for injury or damage on your premises.

Employer’s Liability Insurance – A legal requirement if you employ staff, covering claims for workplace injuries or illness.

Buildings & Contents Insurance – Covers damage to your premises, fixtures, fittings, and equipment due to fire, flood, or vandalism.

Business Interruption Insurance – Provides financial protection if you’re forced to close temporarily due to an insured event.

Stock & Goods Cover – Protects your food, drink, and stock from theft, spoilage, or damage.

Loss of Licence Insurance – Covers financial losses if your alcohol licence is revoked due to circumstances beyond your control.

Equipment Breakdown Cover – Protects essential kitchen and bar equipment from unexpected failures.

Frequently Asked Questions

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What insurance do pubs and restaurants need?

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Pubs and restaurants typically require public liability insurance, employers’ liability (if staff are employed), and commercial property insurance. Additional covers such as product liability, business interruption, and stock insurance are also essential.

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Does pub and restaurant insurance cover customer injuries?

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Yes, public liability insurance covers claims if customers are injured on your premises, such as slips, trips, or accidents. This is one of the most important covers for hospitality businesses.

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Is food poisoning covered by insurance?

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Yes, product liability insurance can cover claims arising from food poisoning or contaminated food, including legal costs and compensation if your business is found liable.

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Does insurance cover stock such as food and alcohol?

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Yes, stock insurance can cover food, drink, and alcohol against risks such as fire, theft, or refrigeration breakdown. It’s important to ensure your stock values are accurately declared.

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How much does pub or restaurant insurance cost?

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Costs vary depending on size, location, turnover, and risk profile. Small restaurants may pay £500–£2,000 annually, whilst larger pubs or venues can pay significantly more.

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Does insurance cover loss of income if I have to close?

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Yes, business interruption insurance can cover lost income and ongoing expenses if your premises cannot operate due to insured damage such as fire or flood.

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Do I need cover for outdoor seating or beer gardens?

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Yes, outdoor areas such as beer gardens and seating areas should be included within your policy. Public liability insurance will usually extend to these spaces if declared.

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What should I do if I need to make a claim?

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You should notify your insurer immediately and provide full details of the incident. Your insurer will investigate and, if covered, handle repairs, legal defence, or compensation.

Real World Example

I have been covering a public house based in Surrey for over 5 years. In that time they have changed cover occasionally and especially during Covid. I managed to get them a claim paid out for loss of business during this difficult time, which helped them stay afloat and continue trading to this day. I have always managed to keep their renewal at or below their current rate and always with no loss of cover.

My Expertise in This Field

I have always insured pubs and bars during my career. I have seen a shift from traditional pubs to craft pubs and small outfits over the recent years which is a field I have always managed to keep at the very top of. Sourcing and placing these risks with the UK's best insurers and maintaining relationships with them that ensure my clients are happy at renewal.

If you would like a chat, get in touch!

Check out our blog post on this subject

Essential Guide to Insurance for Pubs in 2026 - The Pub Insurance Expert

★ ★ ★ ★ ★

John sorted me out for the insurance I needed for my company and provided an excellent service. I can highly recommend Miller & Partner and will be using them again for all my commercial insurance requirements.