Bar Insurance

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What is Bar Insurance?

Bar insurance is a specialised form of business insurance tailored to meet the unique risks faced by pubs, bars, wine bars, cocktail lounges, and other similar venues.

This type of policy typically combines multiple insurance coverages into one package to ensure comprehensive protection, helping bar owners manage the costs associated with unforeseen events, liabilities, and property damage.

Types of Establishments Covered by Bar Insurance

Bar insurance can cover a wide range of establishments, including:

Traditional pubs and taverns
Wine bars
Cocktail lounges
Nightclubs and dance clubs
Sports bars
Microbreweries
Cider houses

Whether you run a local pub or a trendy city bar, having the right insurance coverage is essential to protect against common industry risks.

Compare Bar Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

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What our Comparison Expert Says

‘Owning and running a bar can be a fun and rewarding! We at Total Insurance offer a total approach to finding competitive bar insurance that will protect your enterprise. Keep the fun flowing with peace of mind.’

- Michael Tribe

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

Specialist Brokers Are Compared

We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

You Receive Bar Insurance Quotes

You’ll receive multiple quotes tailored specifically to your own insurance needs.

You Save Money

Once you have all the quotes you’d like, you pick the right policy for you at the best price.

Get a Quick Quote

What Does Bar Insurance Cover?

Public Liability Insurance

Protects you if a customer or member of the public is injured on your premises. This could include anything from a slip on a wet floor to accidental damage caused by your staff.

Employer’s Liability Insurance

A legal requirement if you employ staff, this insurance protects against claims for injury or illness from employees due to their work.

Buildings and Contents Insurance

Covers damage to your bar’s physical premises and its contents, including furnishings, equipment, and stock. This may include protection against theft, fire, flooding, and vandalism.

Stock Insurance

Helps cover the cost of replacing lost, damaged, or stolen inventory, from spirits and beer to food supplies.

Business Interruption Insurance

If your bar has to close temporarily due to an insured event like fire or flooding, this coverage can help you cover lost income during downtime.

Equipment Breakdown Insurance

Protects essential equipment like fridges, ovens, or point-of-sale systems against breakdowns, ensuring you can quickly repair or replace items and avoid business interruptions.

What Does Bar Insurance Not Cover?

Intentional Damage

Damage caused by you or your staff intentionally.

Losses from Unlicensed Activities

This is such as serving alcohol without a proper licence

Wear and Tear

General wear and tear of property and equipment is not covered.

Non-disclosed Activities

This is things such as live entertainment, if not specifically covered in your policy.

Who Needs Bar Insurance?

Bar insurance is essential for anyone running a business in the UK that serves alcohol or food in a social setting.

If you own a pub, bar, lounge, or similar venue, you are responsible for ensuring the safety of patrons, employees, and property. By having comprehensive bar insurance, you safeguard your business from financial losses due to lawsuits, property damage, and other risks inherent in the hospitality industry.

How To Get Business Property Insurance

When it comes to getting insurance for a business premises, we have you covered.

Simply complete our quote form and one of our agents will work out who is best to provide you your insurance quotes. We enable you to compare policies quickly and easily, helping you save both time and money.

How Much Does Bar Insurance Cost?

The cost of bar insurance varies depending on factors such as:

Location of your bar or pub.
Size of the venue and number of patrons.
Type of coverage needed (e.g., public liability, employer’s liability, stock insurance).
Number of employees.
Value of stock and equipment.

On average, bar insurance can range from £800 to £2,000 per year, though prices will vary widely based on the specifics of your business.

How to Compare Bar Insurance Quotes

Comparing bar insurance quotes ensures you find a policy that fits your needs and budget. Here are a few tips for comparing quotes:

Identify Your Coverage Needs: Determine the specific coverages you require, such as public liability, business interruption, and stock insurance.
Request Multiple Quotes: Get quotes from several insurance providers to compare coverage, premiums, and exclusions.
Review Policy Limits and Exclusions: Ensure the policy limits meet your requirements, and pay close attention to any exclusions.
Ask About Discounts: Some providers offer discounts for risk management practices, like security systems or training programs for employees.
Consult a Specialist Broker: Insurance brokers who specialise in hospitality or bar insurance can help you navigate options and choose the right policy.