Pub Insurance - Richardson Insurance

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Has your pub been hit with an Insurance hike?

The current regime in Ireland where injured parties have two years to make a claim is “completely excessive” and that the majority of claims are bypassing the Personal Injuries Assessment Board (PIAB) process.

Dublin publicans have been hit by “crippling” 20 per cent insurance hikes in each of the past two years, threatening the viability of pubs in the capital, according to the Licensed Vintners Association (LVA).

Insurance costs for Dublin publicans are a very serious expense, typically ranging from €15,000 to €25,000 per annum, however, many larger LVA members, especially in the late bar scene, are facing premiums of €50,000 to €100,000 per annum. Such increases are simply not sustainable.

We could save you money...

Are you planning on opening a pub, late bar or nightclub soon? Or are you looking to switch insurance provider to save money? Take the hassle out of finding the best deals for your Pub Insurance, Richardson Insurance will have you covered. 

We understand the complexities of setting up a pub, everything from securing a late night alcohol licence to hiring efficient security. We are here to make the process that little bit easier. No matter where in Ireland or the size of your premises, we can find a policy to suit your needs.

The Chawke Group has been a client of Richardson Insurances Solutions Brokers DAC for the last 8 years

We have found Eric McGrenery and Richardson Insurance Solutions to always deliver the best possible insurance cover, advice, service and cost for our Group in a very difficult Insurance and claims market.

We would have no hesitation recommending Eric McGrenery and his team to others pubs and hotels.

SIMON BAILEY, Financial Director, Chawke Group

Richardson are not simply our insurance brokers – they are our insurance partners.

We have insured our business through Eric McGrenery of Richardsons for the past three years. Richardsons are not simply our insurance brokers, they are our insurance partners. Their insightful advice, outstanding professionalism and comprehensive knowledge of the insurance market, (and how it relates to our business and industry), has ensured that we always get the best cover at the best rate
RICHARD TOBIN, Abbey Tavern, Howth

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Want A Quote For Your Pub Insurance?
Complete The Form Below, And Our Dedicated Team Will Contact You Within 24 Hours.
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Frequently Asked Questions

The insurer at present is Accelerant Agency (UK) Limited on behalf of HDI Global SE.  HDI Global are domiciled in Germany and have a rating of A (Stable) with AM Best & a rating of A+ (Stable) with Standard & Poors

Once it is disclosed to insurers, cover will be extended to cover a beer garden or car-park.  There may be a few more supplementary questions and requirements required but not too many.

If all pubs are owned by the same company eg Joe Bloggs Taverns Ltd then yes, they can be put on the same policy if needs be.  Your broker can best advise here as it may not always be in your best interest to have them all on one single policy eg one may be rated higher than another due to adverse claims history or one may have a nightclub attached where the others don’t etc

Our product caters for all types of public houses, hotels etc once.

Yes, once it is disclosed to us at quotation stage

Once it is disclosed to insurers, cover will be extended to cover a beer garden or car-park.  There may be a few more supplementary questions and requirements required but not too many.

Generally our policy will cover material damage up to a max of €20m and public liability €6.5m & employers liability €13m but higher limits can be arranged if necessary

Your broker will be in contact with you well in advance of your renewal date and will discuss all your options.

Finance can be arranged if required but we accept Bank Transfer, Credit Card, Cheque etc


With Richardson Insurance Solutions DAC, you get over 50 years of professional experience and expertise across a range of Commercial Insurances:


Public & Products Liability

Sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in the course of your business


Employers’ Liability

Sums you become legally liable to pay as damages, together with your legal costs and expenses relating to an injury to an employee


Property & Business Interruption

This helps you stay in business by covering loss of gross profit and reasonable expenditure incurred as a result of an event such as a fire or theft.


Wrongful Arrest

Sums, which you may be liable to pay as damages arising from wrongful arrest committed or alleged to have been committed by you,your directors, partners or employees.


Loss of Licence

Losing your license would be catastrophic because a pub that would not be able to serve alcohol would lose its value. This can compensate for some of that loss

Why not talk to Richardson today?

Have questions about pub or bar insurance? Why not talk with our trusted advisors today who can answer your questions.

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