Bar Insurance

  • Flexible & tailored cover for a range of different bar types
  • Compare quotes from a wide range of insurers now

What Is Bar Insurance?

Whether you run a sports bar, nostalgia bar or college bar, we can protect your business with our variety of bar insurance policies. You may be an expert with a cocktail, and pouring the perfect pint, but when a customer has damage done to their belongings, or trips over a piece of equipment and hurts themselves, you’re the one left with the compensation claim. Without a suitable policy in place, you’ll have legal fees to cough up too. Therefore, at The Insurance Octopus, we tailor cover that protects your bar, its equipment, and the specific functions you provide. We know bars are all about reputation, and we’re extremely proud of ours. With fantastic testimonials, being a Feefo Platinum awarded company and providing access to a leading panel of UK insurers, not to mention all the support we offer, you can rest assured that together, we’ll find the perfect policy for your bar.

You’ve got drinks to serve, so let’s get started. For your bar insurance quote, fill in our handy form, or request a call back, and we’ll get back to you as soon as possible. We don’t charge administration fees for mid-term adjustments either, so when you’re ready to update your policy, we’ll be ready to help.

What may be included in a bar insurance policy?

Loss of Licence Cover

Serving alcohol requires a licence, facing fines or prison if you do so without one. With this policy, loss of earnings will be compensated, should your bar’s license be withdrawn – subject to your insurers specific terms and conditions of cover.

Product Liability Insurance

Illnesses and injury caused by the food and drink you sell can make recovery for customers quite tough. You can make this easier with a policy that is available up to £5m, should your business ever be sued.

Employers’ Liability insurance

Your bar staff take care of your business, so if they suffer an injury, or become ill due to their employer’s negligence, they deserve to be taken care of too. This policy offers cover up to £10m, making the road to recovery far easier.

Contents Cover

Protecting everything from your bar’s fixtures and fittings through to your electronic equipment and displays, replacements can be provided as quickly as possible.

Benefits of having bar Insurance

Mix people and alcohol and on occasion you’ll have problems. Bar insurance provides a blanket of cover to protect bar businesses from a variety of risks such as theft, arson, loss of license or food poisoning. Everyday risks can also be associated with natural causes which could result in your business temporarily being incapable of operating.

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 bar.

 

Bar Insurance FAQs

  • Can I protect my money while in transit?

    A money insurance policy will provide cover when cash is being carried to or from the bank by a business owner or one of their employees. It will 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 often extends to include personal assault cover to the business owner or member of staff if injured during a robbery.

  • Should I get loss of licence insurance?

    If there is a circumstance outside of your control which results in you losing your licence to sell alcohol, loss of licence insurance will provide the cover you need. A bar selling alcohol requires a licence by law, so if the licence was revoked it would have a detrimental impact on the business. The 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.

  • Is employer’s liability insurance required for bars?

    If your bar has one or more employees, by law you need to purchase employer’s liability insurance. The insurance will protect your business from any claims made by the staff which may injure themselves or become ill during their time working for you. This is set to a standard level of £10m, which should be a sufficient amount of cover you in the event an employee makes a claim which results in a large settlement figure, please note higher limits are available as required.

Tailored insurance for wine bars, sports bars,
wine bars, cocktail bars and many other licensed venues.

Types of bars we cover

No two bar venues are the same, so we understand that each bar has a unique need and requirement when it comes to insurance. So whether you’re a sports bar, wine bar or even a tequila bar our bar insurance experts are available to help you navigate through a wide range of policy covers to find the perfect insurance package to protect your bar business.

Business interruption cover for bars

When considering taking out a policy, you might consider taking out an additional cover called business interruption insurance. Bars can benefit greatly from this add on cover compensate the business for the loss of income that it’s suffered as a result of an insured disaster.

Why choose The Insurance Octopus for Bar Insurance?

We proudly make buying insurance different and our cover comes with a range of benefits.

Up to £5 million of cover

Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen – with more available upon request.

Fast specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

An expert who knows your industry

We’ll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

How bar & wine bar insurance works

Examples of Bar Insurance in action

A slippery situation

A bar owner found himself facing legal action after a customer slipped near the door of their bar on a wet day. Unfortunately, no warnings were in place to inform customers of the potential danger. The customer took legal action against the bar which went against the owners and left them liable for a payout of £15,000 to the customer. Fortunately, the owners had Public liability insurance in place, which covered the cost of a payout that could have forced them to make staff redundancy and scale back their plans for growing.

Other types of Hospitality Insurance we can provide

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