Bar Insurance
Effective cover for the hospitality sector.
Insurance for bars is designed specifically for those who own these establishments. It is designed to help provide cover for premises that directly serve the public in a bar setting
Our policies are tailored to pub, bar and nightclub venues, including hybrid ventures offering food & entertainment and are bespoke to each individual business, based on requirements.
Within this insurance, a range of cover can be provided, including employers’ liability insurance, product liability, contents, buildings and public liability.
- Award Winning In-House Claims Team
- Lloyds of London Commercial Broker
- Independent Broker Since 2001
Protection against employee claims
Cover for third party injury or damage
Cover for third party injury or damage for products
Cover for premises contents
Cover for your stock
Cover for theft of what you own
Get In Touch Today!
Employers liability insurance supports you with claims made against you due to injury to employees at the workplace (this is a legal requirement to all employers).
Public liability covers third-party injuries or property damage related to your business activities. This acts as a vital safety net, shielding you from financial burdens and ensuring peace of mind in the face of unexpected accidents or product-related issues.
Cover for any claim arising out of bodily injury and/or property damage occurring during the policy period in the course of your professional services and in relation to your product
The contents of the Premises which belong to Your Organisation or for which You are legally responsible.
Support covering the cost of replacing stolen or damaged stock.
Cover for theft of your equiptment & property, money cover is also available if needed.
We can insure any type of business, and our expertise ranges from property and commercial risks, to kidnap and ransom. Literally any type of business, in any sector, anywhere in the world.
Our expert brokers have access to a huge array of insurance products ensuring they can find the best insurance policy for you. They get to know your individual needs and provide the best possible insurance solution for you. You will be provided with an allocated account and claims manager.
Our featured list of Policies can be found on our services page.
DO I NEED BAR INSURANCE?
Having the right insurance in place for your business is imperative. If you are serving the public in any way, you are open to several potential threats. Business income insurance, also known as business interruption insurance, is crucial for covering lost revenue following a disaster. The right policy can support your business should the worst happen.
As a bar owner or landlord of a licensed premises you can be liable to claims made against you and are vulnerable to incidents including theft, damage to stock, customer injury and fire.
If you are employing staff to help run the business, even if it is less than usual or in a smaller capacity, you are still legally required to own Employer’s Liability cover. This helps protect you from any claims made against the business should any of your staff come to harm at work from an accident or injury.
SJL Insurance Services can cover all of these insurance needs within one package. Our expert teams will discuss how your business is running at that time and will provide options for ensuring you are covered correctly for your circumstance and individual needs. We also offer support and expertise during the claims process to minimize its impact on your business and ensure a favorable settlement.
Want to know how much your cover would cost? Simply complete our ‘get a quote‘ form or call us on 01905 27775
IS MY BUSINESS ELIGIBLE FOR BAR INSURANCE?
No matter what type of bar or licensed premises you own, SJL Insurance Services can provide specialist, market leading insurance policies, designed to work for you. We can provide the following insurances:
Bar insurance – covering cocktail bars, wine bars, late-night bars and pop up bars
Our list of premises we cover includes, but is not limited to:
Late-night bars
Cocktails bars
Wine bar
Country pub
Sports bar
If you’re not sure if your business is eligible for Bar insurance, please speak to our team.
Eligible businesses can also request instant cover for immediate insurance coverage.
Looking for Restaurant and Takeaway Insurance or Hotel and Guesthouse Insurance?
WHAT IS COVERED IN BAR INSURANCE, INCLUDING PUBLIC LIABILITY INSURANCE?
SJL Insurance Services offers a tailored and flexible solution to businesses to all shapes and sizes.
As an insurance broker, we also have access to an array of insurance products to ensure you have the right cover for your business and aren’t paying for any unnecessary add-ons.
Our pub, bar and nightclub insurance policies can include cover such as:
Employer’s Liability – supports you with claims made against you due to injury to employees at the workplace (this is a legal requirement to all employers).
Product liability – cover to help with the cost of compensation or claims made against you should a product you’ve provided cause harm (i.e food poisoning).
Contents – cover for damage to fixtures, fittings and business equipment.
Stock insurance – support covering the cost of replacing stolen or damaged stock.
Business interruption cover – support with loss of revenue in the event of your business being halted.
Theft – cover for theft of your equipment or property.
Goods in transit – cover for damage or theft to goods you transport as part of your business.
Buildings – help protect you should anything happen to your business’s building.
Terrorism – cover for your business against a terrorist attack.
Commercial Legal Expenses – provide cover to help with legal costs that may not be covered by your general business insurance.
Public liability cover – protection against claims made by the public due to injury on your premises.
Money – cover against loss, theft or other fortuitous causes that impacts money belonging to your business.
Entertainment cover – if you host special events or use specialist event equipment such as pyrotechnics.
Loss of licence cover – insurance coverage for businesses facing the retraction of their business license.
Want to discuss your requirements direct? Call us on 01905 27775.
HOW MUCH DOES BAR INSURANCE COST?
We understand that your business is like no other. At SJL Insurance Services, we appreciate that your cover should be uniquely built for you, too.
Understanding the insurance market and adapting your insurance needs based on market changes is crucial to ensure you have the right coverage.
SJL Insurance Services can provide bespoke solutions with a number of the UK’s leading insurers, which enables SJL Insurance Services to be competitively priced whilst providing the best coverage available.
We have a huge range of policies we can provide you with, meaning you only have to come to one place to cover your business correctly. We can also provide popular business cover such as Professional Indemnity, Directors and Officers Liability and Employers Liability (which is mandatory to all businesses that have employees).
To find out why you should choose SJL Insurance Services for your pub, bar or nightclub business, visit our ‘About Us‘ page or hear from our clients themselves on our ‘Testimonials‘ page.
If you would like a free, no obligations quote, contact us today.
Get a Bar Insurance quote for the cover you need, and have peace of mind knowing that you’re protected.
Bar Insurance Frequently Asked Questions
What is bar insurance?
Bar insurance is specialist business insurance designed to protect bars, pubs, cocktail lounges, licensed venues, and hospitality businesses against risks such as customer injury, property damage, theft, fire, stock loss, and legal claims.
Who needs bar insurance?
Bar insurance is suitable for bar owners, publicans, nightclub operators, cocktail bars, gastro pubs, sports bars, live music venues, and hospitality businesses serving food or alcohol to the public. Tailored cover can support both independent venues and larger hospitality groups.
What does bar insurance typically cover?
Bar insurance can include public liability insurance, employers’ liability insurance, product liability insurance, contents cover, stock insurance, theft protection, buildings insurance, business interruption cover, and legal expenses insurance depending on your business requirements.
Is public liability insurance important for bars?
Yes. Public liability insurance is essential for bars and licensed premises because it helps protect against claims if a customer or visitor suffers injury or property damage while on your premises. This can include slips, trips, accidents, or incidents involving alcohol service.
Is employers’ liability insurance legally required for bars?
In the UK, most businesses employing staff are legally required to have employers’ liability insurance. This cover protects bar owners against claims from employees who suffer illness or injury while carrying out work-related duties.
Does bar insurance cover stock and contents?
Yes. Many bar insurance policies include cover for stock such as alcohol, beverages, and food, as well as fixtures, fittings, furniture, tills, sound systems, and business equipment against risks like theft, fire, flooding, and accidental damage.
What is product liability insurance for bars?
Product liability insurance helps protect bars if a product supplied by the business causes harm to a customer. This can include claims linked to food poisoning, allergic reactions, or issues related to drinks and food served on the premises.
What is business interruption insurance for bars?
Business interruption insurance helps compensate bars for lost income if the business cannot operate due to an insured event such as fire, flooding, or significant property damage. This cover can help businesses recover financially while operations are restored.
How much does bar insurance cost?
The cost of bar insurance depends on factors such as the size of the venue, location, opening hours, entertainment provided, number of employees, turnover, claims history, and the level of cover required. Venues with live music, late licences, or higher footfall may require more specialist cover.
Why is specialist bar insurance important?
Bars and licensed venues face unique risks linked to alcohol service, public interaction, entertainment, and busy trading environments. Specialist bar insurance helps protect businesses against costly claims, operational disruption, and financial losses while ensuring appropriate cover for hospitality-specific risks.
and have peace of mind knowing that you're protected.
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