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Insurance for Pubs, Bars and Licensed Venues

Running a pub means managing risks across your property, patrons, staff, alcohol service, food and entertainment.

Priority Insurance Brokers helps pubs, bars, hotels and licensed venues arrange cover suited to how the business actually operates. A real broker reviews your risks, approaches suitable insurers and explains the key conditions and exclusions clearly.
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Award-Recognised Insurance Brokers Trusted by Australian Businesses

Priority Insurance Brokers combines specialist commercial insurance experience with access to a broad range of insurers and underwriting agencies through Community Broker Network and the Steadfast network.

APAC Winner

Most Dedicated Business Insurance Broker 2023

Priority Insurance Brokers Awards mining insurance medals QLD 20223 Top Insurance Broker Finalist Fast Starter Award 2023 QLD Top Insurance Broker Finalist 2022 Finalist QLD 2022 Top Insurance Broker Finalist Top Thought Leader 2022 Winner

Advisr Insurance Awards

2025 Corporate Authorised Representative of the Year
Finalist
2024 Individual Authorised Representative of the Year
Finalist
2022 ADVISR Fast Starter Award Winner

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Insurance for Licensed Venues

Pub Insurance Built Around How Your Venue Operates

A pub is rarely one simple business activity. Your venue may include a public bar, commercial kitchen, gaming room, TAB facilities, bottle shop, accommodation, function spaces, live entertainment or outdoor areas.

Each activity can change the risks insurers consider and the conditions that may apply. Late trading, security staff, patron capacity, liquor turnover, live music and previous incidents can also affect which insurers are willing to provide terms.

Priority takes the time to understand the full operation before approaching the market. This helps ensure the insurer receives an accurate description of the venue and reduces the risk of important activities being left out of the policy.

Specialist hotel and pub insurance products can combine property, liability, business interruption, glass, money and other covers, but the available sections and conditions vary between insurers.

Your Pub Is More Than a Standard Business Package

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The right policy should account for your patrons, premises, equipment, stock and revenue not simply provide a generic certificate of currency.

Speak with a broker who can review the complete operation and identify which details need to be disclosed to insurers.

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What to Look Out for When Buying Insurance for Pubs

Liquor Liability Gaps

The insurer needs to know how the venue actually trades. That may include food service, liquor turnover, gaming, TAB facilities, accommodation, live entertainment, functions, dance floors, beer gardens, courtesy transport and bottle-shop operations. An incomplete description can create uncertainty when a claim occurs.
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Liability Conditions and Exclusions

Public liability insurance does not mean every incident involving a patron is automatically covered.

Policy wording should be checked for alcohol-related incidents, assault and battery, security personnel, entertainment, crowd control and late-night trading. Conditions can differ significantly between insurers.

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Realistic Property and Revenue Values

Underestimating your building, contents, stock or gross profit may leave the business carrying part of a major loss. Your sums insured should reflect current rebuilding costs, venue fit-out, equipment replacement, stock levels and the time it could realistically take to reopen.

How Insurance for Pubs May Respond

Insurance responds according to the selected covers, policy wording, limits, excesses and exclusions. These examples show why different sections of a pub insurance program may be required.

A Fire Starts in the Commercial Kitchen

A cooking fire damages the kitchen, extraction system, ceiling and nearby dining area. The pub cannot serve meals and parts of the venue must close during repairs. Property cover may respond to insured physical damage. Business interruption insurance may also assist with insured loss of income and continuing expenses during the restoration period.
Property and Business Interruption

A Patron Is Injured Inside the Venue

A customer slips near the bar and suffers a serious injury. They allege the venue failed to keep the area reasonably safe and seek compensation. Public liability insurance may assist with legal defence costs and compensation where the business is found legally liable, subject to the policy terms.
Public Liability Insurance

Refrigeration Equipment Breaks Down

A cool-room system fails before a busy trading period, damaging food and beverage stock and disrupting the venue’s normal service. Machinery breakdown and stock deterioration cover may assist where those sections have been selected and the cause is insured.
Machinery Breakdown and Stock Deterioration

A Storm Forces the Pub to Close

A severe storm damages the roof and allows water into the venue. The bar, gaming area and function spaces cannot operate while repairs are completed.

Property insurance may assist with the physical damage. Business interruption cover may respond to insured losses across the venue’s affected revenue streams.

Property and Business Interruption

Concerned About Gaps in Your Current Pub Insurance?

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Send Priority your current policy schedule and details about the venue. A broker can review how the business has been described and discuss areas that may require closer attention at renewal.
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We are business insurance brokers for Different Types of Licensed Venues

Local and Regional Pubs

Traditional pubs can combine bars, dining, gaming, functions, accommodation and bottle-shop operations. Your insurance should reflect each revenue stream, the physical layout of the premises and any additional activities conducted at the venue.

Hotels and Taverns

Hotels and taverns may have larger buildings, multiple bars, accommodation, gaming facilities and greater business interruption exposures. Property values and the expected rebuilding period require careful consideration, particularly for older, regional or heritage-style premises.

Bars and Live Music Venues

Entertainment, DJs, bands, dancing, security staff and late-night trading can affect insurer appetite and liability conditions. The insurer should receive clear information about operating hours, patron capacity, entertainment frequency and crowd-control arrangements.

Multi-Venue Hospitality Groups

Businesses operating several licensed premises may benefit from reviewing their insurance as one coordinated program. This can improve consistency across property values, liability limits, claims reporting, management liability and renewal dates while still accounting for differences between locations.

How Priority Helps Arrange Your Pub Insurance

Understand the Venue

We learn how the pub operates, including its opening hours, patron numbers, food service, alcohol sales, gaming, entertainment, accommodation and other business activities.

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Review the Exposure

We examine the main property, liability and interruption risks, along with previous claims, contractual obligations and any known policy concerns.

Approach Suitable Markets

Priority approaches insurers and underwriting agencies with an appetite for pubs and licensed venues rather than relying on an automated online quote.

Explain the Options

We help you compare the available policy terms, limits, excesses, endorsements and material exclusions so you can make an informed decision.

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Business insurance brokers that make a difference

Two pub insurance quotes may appear similar while treating liquor-related incidents, security staff, entertainment, assault and battery, flood, machinery breakdown or business interruption very differently.

Priority reviews the wording behind the quote and helps identify conditions that could affect the venue during a claim. We also consider whether the declared activities, sums insured and interruption period reflect the business as it operates today.

The objective is not to sell the greatest number of policy sections. It is to help you understand the risks being insured, the risks you are retaining and the information the insurer has relied upon.

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Your Pub Insurance Questions Answered

The appropriate insurance depends on the venue’s activities, property, location and contractual obligations. A pub may consider public and products liability, property, contents, stock, glass, money, machinery breakdown, business interruption, management liability, cyber insurance and commercial motor cover. Workers compensation is arranged separately under the requirements of the relevant state or territory.
Alcohol-related liability is an important consideration for licensed venues, but it should not be assumed that every incident is automatically covered. The policy should be checked for alcohol-related claims, responsible service requirements, assault and battery wording, security staff and other applicable conditions or exclusions.
Gaming machines, TAB facilities and the income they generate need to be disclosed to the insurer. Depending on the policy and selected covers, the program may account for physical equipment, money, electronic systems and insured business interruption. The exact treatment must be confirmed in the wording.
Stock deterioration may be available where insured refrigeration or machinery breaks down. The policy may impose limits, excesses, maintenance requirements or restrictions on the causes of damage, so it should be reviewed rather than assumed.
Some insurance programs can account for an attached or connected bottle shop, but the insurer must be told that it forms part of the business. The bottle shop’s turnover, stock values, security and operating arrangements may affect the available cover and premium.
It depends on the policy wording. Some policies may provide an assault and battery extension, while others may restrict or exclude claims involving altercations, intoxicated patrons or security personnel. This is an area that should be checked carefully before selecting a policy.
There is no reliable standard price because pub risks vary considerably. Insurers may consider the venue’s location, turnover, liquor sales, patron capacity, operating hours, building construction, entertainment, security, gaming, accommodation, claims history, sums insured and selected excesses.

Insurers commonly require:

  • Venue address and business structure
  • Annual turnover and liquor turnover
  • Trading hours and patron capacity
  • Details of food preparation
  • Gaming and TAB operations
  • Entertainment and function activities
  • Security and crowd-control arrangements
  • Building, contents, equipment and stock values
  • Accommodation or bottle-shop details
  • Claims history
  • Current insurance and renewal date

What Insurance Policies May a Pub Need?

A pub insurance program is usually assembled from several policy sections. The right combination depends on the venue, the property being insured and the risks the business wants to transfer.

Public liability may assist when the business becomes legally liable for injury to another person or damage to third-party property. Products liability may apply to claims connected with food, drinks or other products supplied by the venue. Licensed premises should also check how the policy treats alcohol-related incidents, entertainment, assault and battery and security staff.
This may protect the insured building and physical assets against selected events such as fire, storm, impact or malicious damage. Depending on the venue, insured property may include: Bars and fixed fit-out Commercial kitchens Cool rooms and refrigeration Furniture and furnishings Sound and lighting equipment Point-of-sale equipment Food and beverage stock Gaming-related equipment where applicable Signage and outdoor property Building values should reflect current rebuilding costs rather than the property’s sale price.
Business interruption may assist with insured loss of gross profit, revenue or continuing expenses after an insured event disrupts trading. For a pub, the calculation may need to consider income from: Bar sales Food and bistro sales Gaming TAB operations Bottle-shop sales Accommodation Functions and events The selected indemnity period should reflect the time required to investigate the damage, obtain approvals, rebuild, replace equipment and return to normal trading.
Pubs rely on refrigeration, cool rooms, air conditioning, kitchen equipment and other machinery to trade. Machinery breakdown cover may assist with sudden insured damage to specified equipment. Stock deterioration may be available for food and beverages damaged following an insured breakdown.
Glass cover may protect internal and external glass, including windows, doors, mirrors and signage, depending on the policy. Money cover may apply to cash held at the premises, in a safe or in transit. Theft cover may assist following burglary or insured theft, subject to security conditions and evidence of forcible entry where required.
Management liability may protect the company and its directors against certain claims involving the management of the business. Depending on the policy, this may include employment practices claims, directors and officers liability, statutory liability, crime and legal representation costs.
Pubs increasingly rely on EFTPOS, booking platforms, customer information, payroll systems, Wi-Fi and connected point-of-sale technology. Cyber insurance may assist with certain data breaches, ransomware events, system interruption, incident response costs and third-party claims, depending on the policy.

Pub Insurance Brokers Serving Businesses Australia-Wide

Priority Insurance Brokers is based in Brisbane and assists pubs, hotels, taverns, bars and licensed venues across Australia. We can work with business owners remotely by phone, email and video, including clients operating venues in:

What Australian Business Owners Say About Priority

Katherine Williams
2 days ago

I never thought I would say organising insurances was easy and stressful, however working with Josh at Priority Insurance Brokers was a pleasure. So helpful, and so easy to deal with.

Fazen Scaffolding & Training
3 days ago

Josh from Priority Insurance Brokers was a pleasure to deal with. Easily contactable for any questions or concerns I held about my insurance queries. I look forward to dealing with them for all our business needs.

Mathew Hanslow
4 days ago

Daniel has been absolutely fantastic and prompt in dealing with our commercial vehicle insurance and now our Public Liability and business insurance needs. I would highly recommend Daniel & the team for your insurance needs - no fuss, diverse options and found us the lowest premium to suit our needs.

Jeanette Kelly
5 days ago

Found us a good deal on our Public Liability Insurance. It's worth a quote from them.

Tyrone Cashin
6 days ago

I partnered with PIB earlier this year as I was in need of updating my business insurance in order to provide more coverage. The customer service I received from Dan, was extremely professional and exactly what I expected. Every time I have needed to make amendments to my policy, the process was completed promptly and communicated to me in a way that put my mind at ease. I absolutely recommend the team at PIB for any of your insurance broker needs. Well done team!

Josh Swinnerton
7 days ago

From start to finish this was the quickest and most painless insurance process for my new business. Daniel was absolutely fantastic and was able to provide me with a detailed explanation of the policies and had an in-depth knowledge of the insurance in my industry. I would definitely recommend Priority Insurance Brokers to anyone looking for stress free Insurance. Thanks again

Antonio Lara
8 days ago

Struggled for weeks to get Demolition added to my current liability insurance in order to submit for a licence application. Found Priority and within a day Dan had a quote, an acceptance and fully paid up insurance with a certificate of currency. Saved me so much stress and time. Thank you again

Gary Parker
9 days ago

Efficient and timely. Insurance requirement for a niche business. All members of Priority Insurance Brokers were great to deal with and the insurance premium was very competitive. Special thanks to Daniel

Bronson Su'a
10 days ago

Mining insurance - easy process and fast turnaround. Good communication all the way through. Exactly the service you want for quick site mobilisation. Highly recommend

Falah Al Lawandi
11 days ago

Hi, Thanks for your help and support, very helpful team and cooperative. Regards, Falah Emu Demolition

AlltradeScaffolding
12 days ago

Very prompt and competitive pricing.

Meet Your Business Insurance Brokers Team members

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Managing Director - Daniel Ufer

Daniel Ufer (authorised representative 1295221) is the Managing Director of Priority Insurance Brokers, bringing seven years of industry experience. Specialising in blue collar, trades, construction, and mining insurance, Daniel holds a Diploma of Insurance Broking and is a Qualified Practicing Insurance Broker.

His dedication and expertise were recognised in 2023 when he was awarded the ADVISR Insurance Broker of the Year (People's Choice). At Priority Insurance Brokers, Daniel leads the company while managing key accounts, ensuring top-tier service and tailored insurance solutions for clients in demanding industries.

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Director/Payroll & Accounts - Chloe Ufer

Chloe Ufer is a Director at Priority Insurance Brokers with seven years of experience in the financial services industry. She specialises in accounts and administration, holding a Bachelor of Laws, a Graduate Diploma in Legal Practice, and RG146 certification in superannuation.

Chloe has previously worked with Sunsuper and various law firms. At Priority Insurance Brokers, she manages accounts payable, staffing, and compliance. Recently returning to the workforce after taking time off to raise her three children, Chloe now contributes significantly to the company's strategic planning and growth, leveraging her extensive legal and financial expertise.

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Account Manager - Joshua Cotter

Joshua Cotter (authorised representative 1313037) is an Account Manager at Priority Insurance Brokers with 16 years of industry experience. He specialises in blue collar, trades, and mining insurance. Joshua holds a Diploma of Business, an Associate's Degree in Education, and Tier 1 RG146 Insurance Broking certification. He has worked with major brands within the Suncorp Group and Youi Insurance, where he was recognised as Best Insurance Leader.

At Priority Insurance Brokers, Joshua is dedicated to helping clients achieve the best insurance outcomes. Apart from a brief stint in a supermarket during his teens, his entire career has been devoted to the insurance industry.

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Administration Support - Jermelyn Avanzado

At Priority Insurance Brokers, Jermelyn is known for her exceptional ability in providing support and delivering swift service to ensure smooth operations and is also well organised enhancing the productivity within the organisation. She’s able to manage time effectively to meet tight deadlines while looking at every perspective to deliver high-quality results.

Why Priority Insurance Brokers?

Why should you use Priority Insurance Brokers to arrange your Insurance for Pubs?
  • We arrange the right type of cover and clearly explain it to you. We also ensure that common risks to your industry are covered.
  • Competitive premiums that are backed by Steadfast agreed policy wordings.
  • We help you through the whole claim process and engage with the insurer on your behalf.
  • Simple policy management that can be adjusted at any time as your enrolments, staff or locations change. We also allow you to bundle your policies into one suitable monthly repayment via our premium funding network.

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