Running a pub is rewarding, but it also involves significant risks that make pub insurance essential for protecting your business. With alcohol service, gaming areas, live entertainment, commercial kitchens, staff management, and high customer traffic, pubs face exposures that most standard insurers cannot or will not cover.

That’s why pub owners need specialist pub insurance designed specifically for licensed venues, not generic business policies filled with exclusions.

Morgan Insurance Brokers works with a panel of specialist hospitality insurers who understand the risks involved in running pubs, hotels, taverns, sports bars, and entertainment venues.

Why Standard Insurers Often Refuse to Cover Pubs

Pubs operate in a higher-risk category due to their licensing, trading hours, and customer volume. Standard commercial insurers usually decline cover or impose major exclusions.

Common reasons insurers avoid pubs include:

• Alcohol-related incidents and intoxication exposure
• High foot traffic and increased slip/trip claim frequency
• Security requirements and crowd management risks
• Live music, entertainment, or gaming machines
• Late-night trading hours
• Increased fire hazards in commercial kitchens
• Complex liquor licensing obligations

Because of these risks, pubs require tailored insurance policies from hospitality-specific insurers, not general business markets.

Comprehensive Pub Insurance Cover

A tailored Pub Insurance Package includes all core protections needed for licensed venues.

Business Property & Contents

Covers your building fit-out, furniture, stock, commercial kitchen, entertainment equipment, and bar systems from fire, vandalism, theft, or accidental damage.

Public & Products Liability

One of the most important covers for pubs. Protects you if a patron or third party is injured or their property is damaged. This includes alcohol-related incidents, slips and falls, and food-related claims.

Machinery Breakdown

Covers refrigeration units, cool rooms, beer line chillers, kitchen equipment, and other machinery essential to your venue’s operations.

Electronic Breakdown

Covers POS terminals, ordering tablets, sound systems, lighting controls, and refrigeration electronics.

Business Interruption

Provides income replacement if your pub is unable to trade following an insured event, such as fire or significant equipment failure. Helps you pay wages, rent, utilities, and ongoing expenses.

Glass & Signage

Covers accidental breakage of external windows, mirrors, internal glass panels, and illuminated signage.

Theft & Money

Protects against burglary, break-ins, vandalism, and theft of cash from the premises.

Cyber Insurance

Protects your venue’s digital systems, including bookings, EFTPOS, gaming databases, and customer data, from cyber attacks, ransomware, or data breaches.

Management Liability Insurance

With a large team of casual, part-time, and full-time staff, pubs face significant employment-related risks. Management Liability Insurance protects the business and decision-makers from claims such as:

• Bullying or harassment allegations
• Unfair dismissal
• Wage and award disputes
• OH&S investigations
• Breach of duty claims

This is critical protection for licensed venues with complex staffing structures.

Additional Cover Considerations for Pubs

Pubs often have unique risks not found in other hospitality businesses.

Gaming Machine Cover

If your pub operates gaming machines, you may require specialist cover for physical damage, theft, breakdown, or loss of income.

Outdoor Smoking Areas & Beer Gardens

Higher slip and fall risk, weather exposure, and glass breakage incidents are more common in these areas.

Live Entertainment & Bands

Events create additional liability risk that must be properly insured.

Function & Private Event Areas

Food safety, crowd control, and alcohol service risks increase during events.

A specialist broker ensures every element of your venue is fully covered, without hidden exclusions.

Why You Need a Specialist Hospitality Broker

Insurance for pubs is complex. Standard brokers often struggle to place cover because they don’t work with the right markets.

Morgan Insurance Brokers provides complete support and industry-specific expertise.

We help pub owners by:

• Accessing specialist pub insurers not available to general brokers
• Identifying hidden exclusions that leave pubs exposed
• Tailoring policies to your trading hours, venue layout, staffing, and entertainment
• Managing your claims from start to finish
• Ensuring you get fair treatment and the correct level of cover

You get peace of mind knowing your pub is protected by experts who understand the industry.

Why Choose Morgan Insurance Brokers for your Pub Insurance

We specialise in hospitality insurance, including pubs, taverns, bars, nightclubs, and restaurants.

Why pub owners choose us:

• Access to specialist hospitality insurers
• Deep knowledge of liquor licensing and pub-specific risks
• Honest advice and personalised service
• Fast and dedicated claims support
• Competitive premiums from trusted, specialist markets

Our goal is simple: protect your venue properly so you can operate with confidence.

Get a Quote for Pub Insurance

Protect your pub with specialist pub insurance tailored to your business.

Contact Morgan Insurance Brokers today for a free, no-obligation quote.