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Pub Insurance Cover
Key Features
Pub Risk Management
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Pub Insurance Cover key features

Our pub insurance covers are far wider than those of many of our competitors, and offer many in-built features to protect you against risks and eventualities which are often over-looked or ignored by others.

Pub Insurance Policy features:

Automatic “all risks” cover, which means that (with the exception of a small list of exclusions) any sudden accidental or otherwise damage occurring to your property is covered by the insurance.

Cover on a reinstatement “new for old” basis.

Business Interruption cover with a three year indemnity period, protecting your gross profit in the event of damage, automatically included at no additional cost.

Benefits for injuries sustained by staff as a result of assault by a member of the public during the course of trade, also automatically included.

Cover for Business Money losses - protects your takings.

Comprehensive Public and Employers’ Liability covers for your liabilities to staff, employees, and third parties. Legally required to protect you against claims.

Frozen food deterioration cover. Covers your pubs freezer stock

Loss of licence cover. Indemnity against being unable to trade through loss of licence

Commercial Legal Protection cover, protecting you against many eventualities including the cost of representing yourselves in the event of employee dispute for unfair dismissal (often featuring trade union involvement).

Long Term agreements allowing further discounts upon the premium rates offered.

Our bespoke Public House insurance cover also offers by optional extension:

Household Contents cover for premises with residential quarters.

Personal Accident cover for all staff.

Higos Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FRN 302690)

Company registered in England and Wales. Company Registration No. 2667978

Registered office: Higos Insurance Services Ltd, 7 Cary Court, Somerton Business Park, Bancombe Road, Somerton, Somerset, TA11 6SB

Tel: 01749 834 500 Fax: 01458 274 196 Email:

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