Bar Insurance | Wine & Cocktail Bar Insurance

Flexible Insurance Policies for Wine Bars, Cocktail Bars and Other Licenced Venues

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. As a result you can create an all-encompassing bar insurance policy that provides protection for the risks that you face.

We're passionate about championing the high street and helping businesses like Cabovino Wine Bar & Tapas in New Brighton, Wirral (pictured above). Whether you run a local or a trendy city bar, we can arrange a bespoke insurance policy to suit you.

In addition to wine and bar insurance, smei also arrange pub insurance.

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Accidental damage.
Book debts/account receivable.
Buildings cover.
Business interruption.
Contents insurance.
Embedded breakdown.
Employers liability.
Glass.
Goods in transit.
Legal expenses.
Loss of license.
Loss of rent receivable.
Money in safe.
Money on premises.
Public and products liability.
Subsidence.
Tenants improvements.
Terrorism.

Premiums from as little as

£1,093

In the past 12 months our customers have paid as little as £1,093 per annum for bar and wine bar insurance. That’s just £21 per week!

50% of our bar and wine customers paid less than £2026 per annum.***

Bar and Wine Bar Frequently Asked Questions

Pubs now provide more than just food and drink facilities. You may host parties, wedding receptions, or have guestrooms available for short stays. Whatever your requirements, talk to one of our insurance specialists and we will be able to arrange an appropriate policy for your business. In general, you should consider business interruption cover to protect you against unexpected loss of income. If you own your building, buildings insurance will provide cover for the rebuilding cost of your premises should an incident occur that is covered under your policy.

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.

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.

You need two types of licence to run a pub: a premises licence and a personal licence. But you need to meet certain criteria first. Read our full article: "How do I get a pub licence" to find out more.

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.

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. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that should the worst happen, a claim won't be damaging to your business.

Pub freeholders are responsible for ensuring their policies are appropriate and up-to-date, while leaseholders may only be responsible for the contents. This is all detail that needs to be known when discussing your requirements with a broker.

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** Standard and optional cover may differ dependent upon 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.