Pub and restaurant Insurance
Cover for Buildings and Contents Insurance, as well as stock deterioration, business interruption and public liability.
Features and Benefits
- Quotes sourced from a panel of insurers
- Tailor your cover to fit your needs
Select from a range of covers to suit your needs such as public liability, stock deterioration and business interruption cover. - Protect your business
Safeguard your business in the event that stock is ruined, cash is stolen, or you face a compensation claim where there is legal dispute. - Advice from Insurance Specialists
Dedicated, UK-based advisers are committed to helping you get the right cover for your business.
Keep in mind
- To offer this insurance service, we work with Arthur J. Gallagher Insurance Brokers Limited, one of the UK’s largest insurance brokers. Arthur J. Gallagher will search a panel of insurance providers for quotes tailored to your business’ insurance needs.
- Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.
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Cover can vary depending on your individual needs, but commonly include:
Public Liability
As a business owner, you’re legally responsible for the health and safety of those you interact with. For example, if a customer or supplier is injured on your premises, they could sue you for damages. Public liability insurance can protect you against large compensation payouts, as well as the legal fees spent defending such claims.
Business Interruption
When a small business is hit by theft or fire, cashflow is often the next hurdle it must face. Business interruption policies help cover loss of income and keep cash flowing during temporary closures – helping you get back up and running as soon as possible.
Stock Deterioration
When you own a pub or eatery, relatively minor events like a broken freezer or small kitchen fire can become serious crises if stock gets ruined in the crossfire. Stock deterioration cover helps pub, café and restaurant owners replace stock in the event it is damaged and unsalable.
Please note this is not a comprehensive list. Additional covers are available to ensure your business is suitably protected.
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The hospitality trade varies greatly, ranging from small family run businesses to larger inner city establishments. Whatever size and type of business you run, there are risks that you, your staff and customers face that need to be covered.
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Arthur J. Gallagher will search a panel of insurance providers for quotes tailored to your business’ insurance needs.
A few quick details are needed to provide a quote over the phone to find policies suitable for you. Once policies are selected, you’ll get the policy details to review. You won’t have to make any decisions about whether to proceed until after you see the policy detail.
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Important Legal Information
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.
Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.
We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.