Pubs in flood-threatened areas may struggle to get insurance because of government under-investment in flood defences.
The Association of British Insurers (ABI) has reacted with dismay to the government's Comprehensive Spending Review, which falls short of the ABI's recommended amount of investment into flood prevention.
The ABI had suggested a £2.35bn spend on defences, but the review only commits for £2.15bn.
"Government spending for the next three years is less than we were asking for, even before this summer's floods," said Stephen Haddrill, the ABI's director general. "It does not begin to address the major issues, including drainage, which were highlighted this summer."
Insurers have agreed to renew flood cover, on the condition that flood defences were improved, or planned to be improved in the next five years.
However, Kelly Ostler, a spokesperson for the ABI said that pubs in flood-prone areas can do a lot to improve defences themselves.
"There's quite a few measures pubs can put into place like replacing floorboards with concrete floors and elevating kitchen appliances so they're not directly on the floor.
While you may not be able to stop a flood from happening, these sorts of touches will let you get back into working quicker.
"Not having to throw everything out and start again could be the difference between your business surviving and not surviving."