Commercial pub insurance
Describe food and alcohol sales, opening hours, occupancy, security and entertainment. Public house insurance should reflect the actual operation instead of only the premises name.
Business insurance
Public House Insurance
Pub insurance should reflect alcohol sales, entertainment, food service and opening hours. Public house insurance is commercial business cover; it is not home insurance with personal public liability.
20%
What could a lower premium mean for you?Illustrative example: $2,400 → $1,920 per year is $480 less. Not an available offer. Try your own numbers →
A busy venue needs a clear plan.Discuss your pub, bar and operations
Property and liquor liability.Review the cover your venue may need
Live examples
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
Recent business insurance purchases
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
How Insurance Genie works
Insurance Genie is an insurance request platform, not an insurer or insurance brokerage. Requests may be connected with participating licensed partners. Availability depends on your location, needs and partner eligibility. A request is not a quote or confirmation of coverage.
Coverage questions for your business
Use these topics to frame a discussion with the licensed professional handling your request. They are questions to review, not a promise that every item is included in a policy.
- Liquor liability
- Premises and contents
- Entertainment and security
- Business income conditions
Information to prepare for a useful request
- Food and alcohol sales split
- Opening hours and entertainment
- Occupancy and security
- Lease requirements and claims
Describe the full activity, including work away from the main premises and any secondary services. An incomplete description can make two proposals look comparable when they are based on different information.
Compare the wording as well as the price
Ask for the named insured, business description, covered locations, policy limits, deductibles and key exclusions. Check how defence costs, property valuation and any required endorsements are treated. A policy title alone does not tell you what an individual claim would receive.
If a landlord, lender, marketplace or customer has supplied insurance conditions, provide the actual document. Ask the licensed professional to identify requirements the proposed policy does and does not satisfy. A certificate is evidence of stated coverage; it should not be treated as a rewrite of the policy.
Cost and availability
The price depends on the business activity, scale, location, claims history and selected protections. Request a review using your own facts instead of treating a generic industry range as a quote.
Insurance Genie connects requests with participating licensed partners. Products, territories and eligibility vary. Confirm who is handling your request and when any offered coverage would take effect.
Your questions, answered
Pub insurance for service, entertainment and the premises
Insurance for a public house concerns a hospitality business, not a personal home policy.
Insurance for bars and nightclubs
Live events, late opening, dancing and security contractors should be disclosed. Bar insurance needs explicit discussion of liquor liability and the interaction with other liability cover.
Events and wedding venues
General liability insurance for a wedding venue should be reviewed with the event activities, alcohol arrangements and contracts. A pub hosting private events should explain that service in its application.
Is home insurance public liability suitable for a pub?
No. A search for home insurance public liability concerns a different kind of risk. A trading public house needs a commercial review of its business operations, property, liabilities and income exposure.
What affects a pub insurance proposal?
The service model, alcohol share, entertainment, premises, claims, limits and deductibles are useful starting points. Ask the licensed provider to confirm the activities, exclusions and conditions in the actual proposal.
Questions before you request coverage
Does bar insurance automatically include liquor liability?
Confirm it explicitly. Ask how alcohol-related claims, entertainment, security contractors and special events are treated in the proposed policy.
What should I send with my insurance request?
Prepare the activity description, current insurance, recent claims details and any contract requirements. Include the business-specific information listed on this page so the licensed partner can ask relevant follow-up questions.
Does submitting a request mean my business is insured?
No. A request is not a binder, policy or confirmation of coverage. The organization arranging insurance must confirm acceptance, terms and the effective date.
Before making a decision
This page is general information. Ask the licensed professional handling your request to explain the proposed wording, limits, deductibles and exclusions. Coverage must be confirmed by the organization arranging it.
Background reading: Consumer insurance coverage guidance. Content updated September 9, 2026; coverage and availability remain subject to confirmation.
Ready to prepare your request?
Contact us to discuss provider availability and the details needed for a useful conversation.
Explore my optionsBefore you compare
Pub insurance for more than the bar counter
Public house insurance should reflect food, alcohol, entertainment and the way the premises operates. Insurance for a public house should describe patios, late hours, live performances and special events rather than assume every venue has the same risk profile.
What should a pub insurance request describe?
Include sales by activity, opening hours, capacity, alcohol service, food preparation, security and entertainment. Ask about property, interruption and liability terms relevant to the activities disclosed.
Should I tell the insurer before adding a wedding or live-music event?
Yes, describe the planned change and any outside organizers or performers. Ask the professional whether the existing policy can consider it and whether event-specific terms or separate insurance are required.
Be prepared
Claims scenarios: what happens next?
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
A customer alleges an injury
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Equipment is damaged
Scenario: Equipment used by the business is damaged or stolen.
What happens next: Document ownership, location and cause. Ask the insurer to review the insured property, exclusions, valuation and deductible.
Operations are interrupted
Scenario: Damage prevents the business from operating normally.
What happens next: Keep revenue and expense records. Business interruption depends on the insured trigger, selected coverage and applicable terms.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
