West Midlands Pub & Restaurant Insurance

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Pub & Restaurant Insurance

If you own a restaurant, pub or licensed premises having the right insurance in place is vital. With your customers, employees, and stock to protect it is important that you have the right insurance in place should anything happen. Our policies have been developed to protect you and your business.

We understand that your business is your livelihood, and you need to do everything possible to keep your doors open. If your stock is damaged you need to have the right level of cover to keep your business going; If your business is damaged in any way which may prevent you from trading, then you need to know you’re sufficiently covered to see you through; If a member of public is ill having eaten food you have served, or if a member of your staff has an accident, you need the confidence your insurance cover is sufficient to deal with any claims made against you.

Our pub and restaurant insurance policies cover the following:

  • Building & contents
  • Loss of liquor licence
  • Loss of power
  • Business interruption
  • Money
  • Stock
  • Outside catering
  • Vehicles
  • Public, Product & Employers’ Liability

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All types of businesses covered

So, whether you own a pub, a restaurant, a wine bar or licensed café, we can help you.

Based in the West Midlands, Think Insurance specialise in cover for local businesses in the food and entertainment industry. We have the knowledge and experience to help you get the right cover, at a fair price. We recognise that all businesses are different, so we can provide you with a tailor made policy that addresses your individual business needs. We do all the hard work, so you can concentrate on the important task of running your business.

Our team of specialists offer helpful and hassle free advice, and policies that provide exactly the cover you need, at a price to suit your bank account. We understand the local area, and the businesses operating within it - so we are perfectly placed to provide you and your pub or restaurant with the insurance cover you need.

We specialise in the following types of cover:

  • Pub insurance
  • Restaurant insurance
  • Cafe insurance
  • Takeaway Restaurant insurance
  • Outside caterer insurance
  • Bar insurance
  • Nightclub insurance
  • Wine bar insurance
  • And many more!

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Liability Insurance - Types of cover available

If a claim is made against your pub or restaurant, you may have to pay compensation if the accident was your fault. The following types of liability insurance provide protection against any claims made by a customer, contractor, member of the public or an employee against your business:

Public Liability insurance – this covers you when you have to pay compensation for an accident where your business is at fault. It provides protection against any claims made by a customer, contractor or a member of the public.

Product Liability insurance – as a pub or restaurant owner, you are legally responsible for the quality of the items you serve. This insurance also covers you against claims arising should your products cause harm or illness.

Employers’ Liability insurance – this is a legal requirement if you have any employees, and will cover you against any claims arising for illness, injury or death to an employee.

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Do I legally need to have business insurance?

If your business employs other people then you are legally bound to have the correct Employers' Liability insurance in place. And while having business insurance is not a legal requirement, it can often be a prerequisite for suppliers, with many demanding that you have a certain level of cover before working with you.

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More reasons to choose Think for your pub or restaurant insurance:

  • Our pub and restaurant insurance policies are underwritten by some of the leading names in the industry.
  • Our claims helpline provided by Wisecall is free to call, is available 24 hours a day, and based solely in the UK.
  • We offer a variety of flexible payment options including a number of instalment plans and direct debit facilities.
  • We do not have any overseas call centres and all of our staff are qualified and equipped to handle your insurance needs.
  • We run our company along small brokerage lines so can give you and your business the focus, attention and level of customer service you deserve – we make sure you feel valued and aren’t just another number to us.
  • We specialise in providing bespoke insurance policies for pubs, bars and restaurants within the West Midlands and cover everywhere from Birmingham and Wolverhampton to Coventry and Walsall.


Get a pub or restaurant insurance quote today and see the difference we can make to your business.

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