London: 01992 718666
Carlisle: 01228 549430

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Pubs & Licensed Premises

Tel: 01992 707316

Public House Licensed Premises

request-a-quoteYour business is unique. Even with the most stringently applied health and safety procedures accidents can and do happen from time to time and in many instances that could not have been prevented. Whether you are the own and operate a large city based hotel providing a range of facilities including spa, restaurant and corporate facilities, run a pub with guestrooms above or have a small family run rural based B & B, Shearwater can provide a policy offering comprehensive levels of cover to suite your every need, supplying you with specialist, independent insurance advise for your business.

  • Product Info
  • Eligibility
  • Discount
  • Customers
  • Claims
  • What is ELTO?

We work closely with you to understand your business and then design an insurance package in accordance with your specific requirements that best protect your property, business, staff, stock and customers at competitive premiums.

Key Features:

  • Public & Products Liability
  • Employers Liability
  • Liability cover for children’s outdoor play areas & swimming pools available
  • Cover for outside caterering and hiring of facilities
  • Accidental damage available
  • Fixtures & fittings and stock cover
  • Guest personal effects
  • Buildings cover including glass and signage
  • Business interruption / Loss of income
  • Goods in Transit
  • Loss of licence
  • Terrorism
  • Legal expenses
  • In-house support in the event of a claim
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We provide a full range of insurance solutions for wide variety of businesses in the Hotel & Hospitality trade as well as other licenced premises including:

Please note this list is by no means exhaustive and should your particular business not appear here please call to enquire.

  • Hotels
  • Guesthouses
  • Bed & Breakfast
  • Public Houses
  • Wine Bars
  • Night Clubs
  • Social Clubs
  • Members Clubs
  • Snooker Clubs
  • Can’t find what you are looking for? Ask an Expert!
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Policies vary from insurer to insurer however No Claims Discounts are available up to 25% with certain insurers to clients who have had no claims for 5 + years.

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In the event that you may need to make a claim, even if you are unsure that the incident will lead to a claim, it is vital to notify the office as soon as possible after the incident has occurred.

UK Telephone: 01992 707316

With Shearwater we are always on call to help and we know that an incident does not always occur Monday to Friday 9-5. That is why a member is staff is on call outside of office hours to offer advice and support whenever you need it.

We have a dedicated claims handler who is your first port of call in the event of an incident. As soon as we have checked that your claim is covered by your policy, we will get the process moving.

In all cases we look to deal with your claim as quickly and efficiently as possible and will keep you informed of our progress.


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The Financial Services Authority – the financial sector’s regulatory body – has introduced new rules which mean that insurers and brokers will now ask for additional information when arranging employers’ liability insurance with you.

This dowloadable guide will help to explain what information you will need to have, where you can find it, why you are being asked for it and the benefits that this will have for your employees.

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Insurance Expert
Name Ian Clements
Experience Ian is also one of our longest serving members of the team with some 40 years experience.
If you are interested in any of our commercial products please contact our commercial team on: 01992 707316
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Case Study

Good Afternoon Kathy I currently have a policy for my horse with shearwater policy ********. Last year he was diagnosed with a suspensory desmitis which has been ongoing and lead to other investigations and lameness as the horse unfortunately has not b...Read more

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