Flood hit pubs could be uninsurable because the Government has not committed enough money for flood defences.
That is according to the Association of British Insurers (ABI) who claim the £2.15bn promised over three years in the Comprehensive Spending Review to prevent future flooding is nowhere near enough.
The Government has completely failed to grasp the importance of improving Britain's flood defencesStephen HaddrillABI director general
It comes as bad news to the trade still reeling from the impact of the summer's floods which caused millions of pounds worth of damage to hundreds of pubs.
"The insurance industry is helping tens of thousands of people affected by flooding this summer, but the Government has now failed to play its part," said ABI director general Stephen Haddrill.
"Millions of homeowners and businesses around the country have been let down by the Government's failure to commit sufficient money to new and improved flood defences.
"Government spending for the next three years is less than we were asking for, even before the floods.
"It does not begin to address the major issues, including drainage, which were highlighted this summer.
"The Government has completely failed to grasp the importance of improving Britain's flood defences in the wake of the devastating floods."
Greene King tenant Martin Ash was told he was uninsurable even before the flooding hit in July because of the number of previous claims at the George in Botley, Oxfordshire.
"We have only just opened again for food. Trade dropped by about 50%. The kitchen had to be completely stripped out and we had no insurance.
"I have to say the brewery helped us a lot. They have even helped us find insurance."