Bar Insurance

Business Insurance for Bars & Wine Bars


At The Insurance Octopus, we are able to personalise and tailor cover to meet the needs of your Bar or wine bar, ensuring your Bar Insurance policy contains only the cover you need. Our policies are designed to allow you to add, remove, increase or decrease all areas of your insurance policy. With the help of our insurance specialists, you’ll be able to put together a bespoke bar insurance policy, with all the essential cover you will need in one simple business insurance policy.

As a bar owner, you won’t want to worry about the possible loss, damage or theft from your premises, or expensive claims as a result of an employee or customer being injured within your premises. Working in a profession that could result in potential risks means that a personalised business insurance policy for your bar will keep you financially protected.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

What your Bar Insurance Policy includes


Public Liability cover

Public Liability cover protects you if one of your customers is injured, or their property is damaged. This type of insurance protects you against the cost of repairs or any legal proceedings that may be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request subject to terms and conditions.

Employers Liability insurance

If you have one or more employees and then by law, you are required to have employers liability insurance. This is a standard £10m and will protect you as the employer against claims from your staff should they be hurt when working for you.

Contents cover

Contents cover can protect trade contents, stock, customer goods, staff and customers personal effects, fixtures and fittings, computer and electronic business equipment. Malicious damage and theft can also be included.

Buildings cover

Buildings cover can protect the building if you own the property.

Loss of Licence cover

An optional extra, Loss of Licence covers you for loss of your licence due to a circumstance outside of your control.

Personal Accident cover

This optional cover protects you should you be injured whilst working and will help for a specific period of time that you are unable to work. The policy cover does carry limitations and restrictions, and can cover up to five employees. Personal Accident cover can be used as an employee benefit.

Further optional add-ons include deterioration of stock, business interruption, legal expenses, theft by staff and more are available – get in touch to find out more.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Benefits of having Bar Insurance


When owning licensed or non-licensed premises, the probability of occurring a risk may increase for various reasons. People and alcohol can cause a wide variety of problems including assaults on your staff or theft within your business premises. If you serve food, a customer may decide they have suffered ill health from eating it, and staff could be injured while going about their everyday duties

Everyday risks can also be associated with natural causes which could result in your business temporarily incapable of operating. In these types of situations, your staff could potentially hold you legally accountable which a court of law may also agree. In other situations, you could have suffered serious stock losses as well as a loss of income.

At The Insurance Octopus, we cannot stop any of these unfortunate events happening, but we can help you find a business insurance policy that provides the right financial protection for your restaurant, public house or bar, whatever comes your way.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

When you’re considering taking out a policy, one of The Insurance Octopus Bar Insurance specialists will discuss your business requirements with you and compare personalised quotes from a number of major UK insurance providers.

We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit.

Speak to us today to get a quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm