Bar insurance

Q: Can I protect my bar’s takings while in transit?

Money insurance can provide cover when cash is being carried to or from the bank by a business owner or one of their employees. It can also provide sufficient cover for storing a small amount of cash at home or on the business premises, both within and outside of normal business hours. The cover can extend to include personal assault cover to the business owner or member of staff if injured during a robbery.

Q: Is loss of licence insurance for my bar an option to consider?

If there’s a circumstance outside of your control which results in you losing your licence to sell alcohol, loss of licence insurance can provide cover. Loss of licence insurance is an optional extra, designed to address the reduction in turnover and the costs incurred during the process of regaining a licence.

Q: Is employers' liability insurance required for bars?

Employers can be required to have employers’ liability insurance. Employers’ liability insurance provides cover in the event of employee injury. For more information on whether you are required to have employers’ liability insurance visit Employers' liability insurance - GOV.UK (www.gov.uk).

Q: What level of bar insurance do I need?

It’s hard to say without knowing the facts, but we know how important it is to understand your unique requirements. Get in touch with us to discuss your options.

Q: Do I need public liability cover for my bar?

If your business is responsible for injuring someone or causing damage or destruction to their property, public liability insurance can cover the costs related to someone making a claim against you. You could consider public liability insurance if this is a risk you'd like to protect your business against

Q: Do I need product liability insurance for my bar?

Bars are responsible for everything they stock and sell. If someone is harmed by an unsafe or contaminated product that you have sold them, they could make a claim. This includes where the person has not purchased the product themselves. You could consider product liability insurance if this is a risk you'd like to protect your business against.

Q: Do I need buildings insurance for my bar?

Buildings insurance covers the cost of repairing or rebuilding your premises if it’s damaged or destroyed by an unexpected event such as fire, flood or theft damage. You’d like to ensure that you can get your business premises up and running after an unexpected insurable event, buildings insurance may be something to consider. If you rent your business premises, then buildings insurance might be your landlord’s responsibility. Contact your commercial landlord or check your lease to see who’s responsible. For more information about available additional policy covers, get in touch with us.

Protect your bar and compare prices from £4.74 a month*

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*10% of customers paid the equivalent of £4.74 a month or less between
1st Jan - 31st May 2024 for up to £2 million of public liability insurance.

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What is bar insurance?

Owning a bar comes with unique challenges and risks, which is why having the right bar insurance in place is crucial. Whether you own a pub, a wine bar, or any establishment that serves alcohol. With business insurance you can help protect your business from the unexpected. Bar business insurance is designed to provide flexible coverage options that could safeguard your property, employees, and customers.

bartender is about to open a bottle of wine for the customer

We’ve partnered with Simply Business, one of the UK’s biggest business insurance brokers. They can help protect your business with tailored online quotes from leading providers, including Axa, Churchill and Hiscox.

How it works

3 simple steps to protect your business with the right insurance for you

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What types of cover can bar insurance include?

Business insurance for a bar offers a wide range of protection to cover the specific risks of operating a bar:

Public liability insurance

This protects you if your customers (or members of the public) suffer personal injury or property damage from your business.

Stock & contents insurance

Stock & Contents Insurance can be different for every business, but it helps protect your business equipment, stock, and other contents at your premises.

Employers' liability insurance

This is a legal requirement for many businesses. Policies are available at £10m and can cover claims for work-related injuries or illnesses.

Product liability insurance

Product liability insurance can cover the cost of compensation claims if someone is injured or their property is damaged by a product that you've sold.

Loss of licence cover

With this policy, loss of earnings can be protected, should your alcohol licence be withdrawn.

Business interruption insurance

This cover can protect your business for loss of income should unforeseen circumstances force it to close or be impacted for an extended period.

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Compare bar insurance

Running a bar comes with inherent risks. Without the right insurance cover, your business could be vulnerable to claims, accidents, or other unforeseen events. From public liability claims to damage caused by floods or fires, bar insurance can help protect you from financial losses. Additionally, if you’re selling alcohol, losing your licence can severely impact your income, but with loss of licence cover, you could receive financial assistance during this challenging period.

Compare quotes from leading insurers, all in one place
Prices from £4.74 a month^*
In partnership with Simply Business

*The price is for up to £2 million of public liability insurance – 10% of customers paid £4.74 or less annually between 1st Jan - 31st May 2024. Equivalent to £56.82 a year (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available and these all have additional costs.

Bar insurance FAQ's

If you have a question about your bar insurance, you might find the answer here in our FAQs.

Can I protect my bar’s takings while in transit?

Is loss of licence insurance for my bar an option to consider?

Is employers' liability insurance required for bars?

What level of bar insurance do I need?

Do I need public liability cover for my bar?

Do I need product liability insurance for my bar?

Do I need buildings insurance for my bar?

For more information on protecting your business, check out our FAQ's Hub

Keep you bar protected with business insurance

Protect your bar from costly claims

Running a bar comes with unique risks. Bar insurance can cover accidents, property damage, and even liability related to alcohol service. With the right policy, you’re covered for everything from slips and falls to damages that could happen during those busy weekend rushes.

Coverage for your assets and inventory

Your bar is more than just a space, it’s stocked with valuable inventory and equipment. Bar insurance can help cover losses due to theft, damage, and even spoilage, so your investment is always protected.

Insurance for your unique bar needs

No two bars are alike, so customise your coverage. From public liability to employee liability, you can build a policy that suits your needs. Don't forget to review your coverage each year as your bar grows to ensure it stays up-to-date.

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Safeguard your business from financial risks including property and stock damage, business interruptions, public liability and much more.

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What is bar insurance?