PUB & BAR INSURANCE AUSTRALIA
Protect Your Venue.
Protect Your Patrons.
Total Trade With Confidence.
Specialist pub and bar insurance for Australian hotels, taverns, small bars, wine bars and licensed venues—from the bar and kitchen to stock, staff and trading income.
- Cover for licensed venues, patrons, property, equipment and stock
- Options for liquor liability, theft, spoilage and interruption
- Claims support to help you reopen and keep trading
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Pub & Bar Cover
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ABOUT PUB & BAR INSURANCE
Built for Busy Venues.
Designed Around Licensed Risks.
Pubs and bars combine alcohol service, customers, staff, valuable fit-out, refrigeration, liquor stock, cash and late trading hours. ABS helps arrange pub and bar insurance around your venue, licence, food service, entertainment, gaming facilities and trading risks—subject to insurer terms, limits and exclusions.
- For pubs, hotels, taverns, small bars, wine bars & licensed venues
- Protect patrons, buildings, fit-out, equipment, liquor stock & income
- Options for liquor-related incidents, gaming, TAB & live entertainment
- Access to established Australian insurers
WHAT CAN PUB & BAR INSURANCE COVER?
Practical Cover for Licensed Venues
Public, Products & Liquor Liability
Can respond to claims alleging patron injury, third-party property damage, food or drink-related harm and certain alcohol-service incidents, subject to the selected policy wording.
Property, Contents & Fit-Out
Can protect an owned building, leasehold fit-out, bars, furniture, kitchen equipment, refrigeration, POS systems, stock and contents against selected insured events.
Equipment Breakdown & Stock Spoilage
Options may cover sudden mechanical or electrical breakdown of cool rooms, fridges, freezers, beer systems and other insured equipment, plus resulting stock deterioration.
Business Interruption
May cover lost gross profit and increased operating costs when an insured property event prevents the venue from trading, subject to the selected limits and indemnity period.
Theft, Money & Glass
Can cover burglary involving liquor, tobacco and other stock, insured money at the premises or in transit, resulting damage and accidental breakage of internal or external glass.
Management, Cyber & Employee Risks
Depending on the venue, management liability, cyber insurance, employee dishonesty, commercial motor and workers compensation may also need consideration. Workers compensation is arranged separately.
WHY CHOOSE ABS FOR PUB & BAR INSURANCE
Why Publicans & Bar Owners Choose ABS
Specialist Expertise
We understand licensed hospitality risks
Customised Policies
Cover matched to your venue, licence and operations
Strong Insurer Relationships
Options from established Australian insurers
Personalised Service
Clear advice and claims support
Local Knowledge
Local service for venues across Australia
Let's Protect Your Pub or Bar
Request a tailored pub and bar insurance quote and keep your venue serving customers with confidence.
FREQUENTLY ASKED QUESTIONS
What insurance does a pub or bar need?
A pub or bar may need public and products liability, liquor liability, property and contents, fit-out, glass, theft, money, machinery breakdown, stock deterioration and business interruption cover. Management liability, cyber, commercial motor, employee dishonesty and workers compensation may also be relevant depending on the venue’s licence, staff and services.
Does pub insurance cover liquor liability and patron incidents?
Some hospitality liability policies can respond to claims involving patron injury, third-party property damage and certain incidents connected with alcohol service. Cover varies considerably, and conditions may apply to responsible service practices, security, trading hours, entertainment and claims involving assault or intoxication. Your broker should confirm the wording suits your licensed operations.
Can gaming, TAB, live entertainment and bottle shop operations be covered?
Potentially, but these activities must be disclosed. Insurers commonly assess gaming machines, TAB facilities, attached bottle shops, live music, DJs, dance floors, functions, security arrangements, closing times and patron capacity. The policy should expressly reflect every activity and location rather than relying on a general hospitality description.
Does equipment breakdown cover refrigeration and spoiled stock?
Machinery breakdown cover may protect insured cool rooms, refrigerators, freezers, beer systems, air-conditioning and other equipment against sudden mechanical or electrical failure. Stock deterioration can sometimes be included for liquor, food or other perishables damaged following an insured breakdown. Wear and tear, poor maintenance and normal spoilage are generally excluded.
How does business interruption insurance protect a pub or bar?
Business interruption insurance may cover lost gross profit, ongoing expenses and additional operating costs when insured property damage prevents the venue from trading. Pubs and bars should carefully select their gross profit sum insured and indemnity period, allowing for rebuilding, approvals, replacement equipment and the time required to regain normal turnover.