Say Hello to Lloyd & Whyte
Insurance for pubs, bars and restaurants, arranged by a named local adviser who knows the trade, not a call centre reading from a script.
Get a Personalised Quote →Exact Save British Pubs member offer to be confirmed with Lloyd & Whyte. Placeholder: do not publish until agreed.
Independent Insurance Brokers Since 1946
Local brokers, backed by real muscle.
Lloyd & Whyte has been arranging insurance since 1946. In 2021 the business launched Lloyd & Whyte Community Broking, a network of independent local advisers across Somerset, Devon and South Wales, dedicated to small and local businesses, including pubs, bars and restaurants.
Their pitch is simple: the resources of a large broker with the ethos of a local one. Access to a panel of insurers to find the right cover and price, but a named adviser you can actually get on the phone, not a faceless call centre.
Lloyd & Whyte is part of Benefact Group, a charity-owned financial services group. Profits ultimately support good causes rather than shareholders, a model that sits naturally alongside what Save British Pubs is trying to do for the trade.
Getting covered, without the hassle.
Have a conversation
Talk through your pub, bar or restaurant with a local adviser who understands hospitality risk, not a generic script.
They shop the panel
Your adviser compares cover and pricing across their panel of insurers to find a policy that actually fits your business.
Stay with the same person
Renewals, claims and changes go through the same adviser, not a different voice every time you call.
Source: figures published by Lloyd & Whyte / Benefact Group on lloydwhyte.com and lloydwhytecommunity.com. Verify before publishing.
Cover built around how a pub actually runs.
Hospitality risk isn’t the same as office risk. Lloyd & Whyte’s Community Broking team builds policies around the way a pub, bar or restaurant actually operates.
All Your Cover, One Policy
Public liability, employers’ liability, product liability, contents, stock and business interruption, arranged together.
A Named Local Adviser
Direct access to the same adviser every time, someone who knows your business and your area.
Panel of Insurers
Cover compared across multiple insurers rather than a single default policy, to help find the right fit and price.
Profits Fund Good Causes
Part of charity-owned Benefact Group, so the money you spend on cover ultimately supports charitable giving too.
Know the risks. Stay protected.
Running a pub carries specific legal and financial risks. Here’s what typically sits behind a hospitality insurance policy, please verify current detail before publishing.
Employers’ Liability (Compulsory Insurance) Act 1969
If you have staff, employers’ liability cover is a legal requirement, with fines for every day you trade without it.
Health and Safety at Work etc. Act 1974
Sets your duty of care to staff and customers, the foundation most public liability claims sit on top of.
Regulatory Reform (Fire Safety) Order 2005
Requires a fire risk assessment and a “responsible person” for the premises, relevant to property and business interruption cover.
Food Safety Act 1990 & Food Hygiene Regulations
Sets food hygiene standards for anything served over the bar, directly relevant to product liability claims.
Consumer Protection Act 1987
Covers liability for damage or harm caused by products supplied, including food and drink served to customers.
Equality Act 2010
Access and treatment of customers and staff must be fair and non-discriminatory, and defensible if ever challenged.
Save British Pubs Member
Offer: TBC
Exact offer terms for Save British Pubs members have not yet been confirmed with Lloyd & Whyte. Placeholder structure below, replace before publishing.
- Offer detail 1: to be confirmed with partner (e.g. priority review, discounted premium, free risk assessment)
- Offer detail 2: to be confirmed with partner
- Confirm named contact, direct line and referral/tracking link before go-live
Placeholder link: replace with partner referral / tracking URL once confirmed.
The wrong cover only shows up when it’s too late.
A single uninsured claim, a slip in the beer garden, a case of food poisoning, a kitchen fire, can threaten a pub that survived everything else. Getting cover right the first time matters more than getting it cheap.
For a Save British Pubs member, that means one conversation with someone who understands the trade, cover compared properly across the market, and a named adviser to call when it actually matters.
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From market towns to city centres, our beloved pubs are disappearing at an alarming rate. These aren't just buildings - they're the soul of our communities, where friendships are forged, stories are shared, and British culture lives and breathes.
