£1,093
Insurance for Bars, Wine Bars, Cocktail Bars and Other Licenced Venues
- Customers typically save 30% * with us.
- Quotes from a panel of A-rated insurers. We'll search the market for you.
- Feefo Platinum Trusted Service Award winners.
Smei: Why Choose Us
Each licenced premises and every licensee have varying needs of insurance cover and as a landlord you may already be aware that your business often falls in to a “high risk” category. That is why we consider each bar insurance policy on its own merits, and we arrange the right protection against these risks on an individual basis – leaving you to concentrate on running your bar or wine bar.
Because we’re a broker, we have access to a selection of UK based insurers and can offer flexible policies to suit your requirements. This means that you can pick and choose which types of cover you need to protect your business and can create an all-encompassing bar insurance policy that provides protection for the risks that you face.
Speak to our team of experts in bar insurance for a free, no obligation quote.
You Could Save Over 30% with us*
List of Covers and Features
Standard covers**
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£2 million and £5 million for public and product liability.
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Employers liability insurance.
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Contents insurance.
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Flexible payment options.
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Access to a 24-hour legal helpline.
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Access to documents anytime, anywhere via our secure portal.
Optional covers**
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Increased public liability up to £10 million.
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Buildings cover.
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Business interruption.
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Embedded breakdown.
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Glass.
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Goods in transit.
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Legal expenses.
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Loss of rent receivable.
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Money in safe.
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Money on premises.
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Subsidence.
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Tenants improvements.
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Terrorism
Premiums from as little as
In the last 12 months our customers have paid as little as £1,093 per annum for bar / pub insurance.That's just £21 per week!
50% of our bar / pub insurance customers paid less than £2,026 per annum.***
* Click here to view our pricing disclaimer.
** Standard and optional covers may depend on the insurer.
***Data compared from 316 policies sold in 2023. 66 customers paid £1,093 or less, which represents 21%. £21 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.
Frequently Asked Questions
Accidents can happen in bars, for example a customer may slip on a wet floor or cut themselves on broken glass. Public liability insurance protects you if a member of the public is injured or their property is damaged on your premises. This is a crucial type of cover that we include as standard. Unsurprisingly, bars can be seen as an attractive target for thieves. Contents insurance covers items in your bar from stock, glasses and crockery, through to fixtures and fittings. You'll be protected against events such as theft, malicious damage, explosion, and water damage.
Some types of insurance may be a legal requirement. Others may not be compulsory, however not having the right insurance for your business could be a false economy. For example, if you don't have the necessary protection in place and an incident occurs, you could be liable to pay costs or compensation. It makes sense to match your insurance protection to your requirements to help provide you with peace of mind that you are fully covered.
The cost of your insurance policy entirely depends on your needs. Our flexible policies can be tailored to fit your requirements and your budget too. For example, multiple options may be available from our panel of insurers - each with different features and prices. We will find you several possibilities to ensure you have all the information you need before deciding on the best option for you.
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