Pub, Restaurant & Café Insurance

Protecting the business you’ve worked hard to build

As a pub, restaurant or cafe owner, your business is your pride and joy. Protect your establishment and the hours you’ve put into it by getting the cover you need. We work with Arthur J. Gallagher Insurance Brokers Limited, part of one of the world’s largest insurance broking groups. They will help business owners get the protection their business needs to thrive.

Why Bank of Scotland Business Insurance Services?

  • Get quotes from a select panel of insurers, chosen for their competitive prices and range of cover
  • Work with an experienced, UK-based specialist adviser who’s committed to sourcing cover for your specific business requirements
  • Immediate cover can be requested

Speak to specialist advisers on 0345 377 0001 (Mon-Fri, 8am -6pm)

Types of cover available for pubs, restaurants and cafes:

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

Every time a pub or eatery closes its doors to customers, it can feel like money down the drain. When unexpected events - like theft or fire - force you to shut down temporarily, it can have a serious impact on your cashflow. Business interruption cover protects against the loss of income during these unforeseen pauses in trading.

Stock Deterioration

Stock plays a central role in retail— and when you’re in the food and drink business, your stock is particularly vulnerable. A broken freezer or flooded pantry can result in an immediate loss of income. Stock deterioration cover helps you replace ruined stock quickly, saving you on an otherwise costly expense.

Get more cover options

There is a wide range of cover available for pubs, restaurants and cafes— and it’s important to us that you get the protection you need. Call and speak with a specialist adviser about all of your options on 0345 377 0001 (Mon-Fri, 8am -6pm).

This insurance product is subject to individual terms and conditions and some exclusions apply. Please ask for a copy of the terms and conditions for full details.

Bank of Scotland Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited who sources products from a panel of insurers. Arthur J. Gallagher Insurance Brokers Limited, registered office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. Authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 311786). The Bank of Scotland brand and logo are used under licence.

Need advice or a quote?

Call 0345 377 0001 (Mon-Fri, 8am-6pm) to get advice from a specialist adviser.

You'll have the option to buy your insurance over the phone and get instant cover.