Tailored Cover for Hospitality Businesses That Don’t Clock Off at 9pm
Whether you operate a gastro pub serving premium food, a busy cocktail bar, or a late-night venue with extended hours, your insurance needs to work as hard as you do. At Clarke Williams, we specialise in bespoke insurance solutions for gastro pubs, bars and late-night venues, arranging tailored cover from leading UK insurers that reflects how your business actually operates.
From food service and alcohol sales to late licensing, entertainment and higher footfall, we understand the challenges of the hospitality sector. As independent, Kent-based insurance brokers, we compare the market on your behalf to secure competitive, robust protection – without cutting corners. And with five-star Google reviews, you can be confident you’re in capable hands.
Why Choose Clarke Williams?
✔ We compare competitive quotes from leading UK insurers
✔ All staff are UK-based – no call centres
✔ Tailored protection – quality cover without compromise
✔ Fast, hassle-free quotes
✔ Dedicated in-house claims support
Compare Gastro Pub & Bar Insurance Quotes
Clarke Williams Ltd will compare multiple insurance quotes from a panel of specialist hospitality insurers to provide a tailored insurance solution for your venue. The process is straightforward, personal and refreshingly jargon-free.
You’ll have a dedicated account advisor, UK-based and easily reachable, with specialist knowledge of pubs, bars and late-night venues. Flexible payment options, including monthly instalments, are available to help manage cashflow.
What Insurance Do Gastro Pubs, Bars & Late-Night Venues Need?
Running a hospitality venue comes with a unique blend of responsibility, regulation and risk. With our guidance, arranging the right insurance doesn’t need to be complicated or time-consuming.
We take the time to understand your venue, your trading hours, your entertainment and your staff structure to ensure your livelihood is protected properly – giving you genuine peace of mind.
Public Liability Insurance
Covers injury to customers or damage to third-party property arising from your business activities – whether that’s a slip on a wet floor, an accident in a beer garden, or an incident during a busy service.
Products Liability Insurance
Essential if you serve food or drink. Covers claims arising from illness or injury caused by products you sell, including food, beverages and allergens.
Employers’ Liability Insurance
A legal requirement for UK employers. Covers claims from employees who suffer injury or illness as a result of their work. Standard limits are typically £10 million.
Buildings & Contents Insurance
Protects your premises, fixtures, fittings, equipment and stock against risks such as fire, flood, theft and vandalism.
Business Interruption Insurance
Provides financial protection if your business is unable to trade following an insured incident, covering loss of income and ongoing costs such as wages and rent.
Loss of Licence Insurance
Vital for licensed premises. Covers loss of revenue following the suspension or revocation of your alcohol licence through no fault of your own (subject to policy terms).
Speak to Our Hospitality Insurance Specialists
For a quote tailored to your venue, contact our knowledgeable team today on
01732 252 898
Or submit your details below and a member of the team will be in touch.
Submit your details for a quote
Frequently Asked Questions – Hospitality Insurance
What covers can be included in a Gastro Pub or Bar Insurance Policy?
Policies can be tailored to include:
- Public & Employers’ Liability
- Buildings and Contents
- Stock and Deterioration of Stock
- Property in the open
- Business Interruption
- Loss of Licence
- Money on premises / in safe
- Glass and frontage cover
- Legal expenses
- Equipment breakdown
- Goods in transit
- Tenants’ improvements
- Terrorism cover
Does insurance differ for late-night venues?
Yes. Extended opening hours, entertainment, alcohol sales and higher footfall can increase risk. That’s why specialist underwriting and accurate disclosure are essential – something our advisors manage for you.
Can live music and events be insured?
Yes. We regularly arrange cover for venues hosting live music, DJs, themed nights and private events. Just let us know how often entertainment is held and what it involves.
What is ‘Seasonal Increase of Stock’ insurance?
This is for businesses that have amounts of stock which fluctuate substantially in different seasons. This cover allows your ‘sums insured’ amount to be increased by an agreed percentage for your busy times of the year, and helps keep your costs down. Make sure you let your advisor know if you’d like to add this cover.
Can ATMs (Automated Teller Machines) be covered on my premises?
Yes, ATMs both inside and built into the walls of your premises can be covered on this policy, please make the team aware this is something you require.
Be safe in the knowledge that your business is protected for all eventualities
calling our Retail Team
Telephone: 01732 252 898
or fill in your details below
and a member of the team
will be in touch.
Email us
What Types of Venues Do We Cover?
With over 40 years’ industry experience, we work with a wide range of hospitality businesses, including:
- Gastro pubs
- Traditional public houses
- Cocktail and wine bars
- Late-night venues
- Music and entertainment pubs
- Bars with food service
- Venues with beer gardens and outdoor seating
- Clubs and dance venues
- Event-led and function venues
Whether you run a single venue or a portfolio of licensed premises, we can arrange cover that fits.