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Behind the bar, or front of house – wherever you’re based, your customers look to you for a bit of escapism. They’re not focusing on potential slip-ups, and you needn’t be either, with insurance for a bar in place. From public liability cover (for damage and injuries) to employers’ liability, our policies work to protect the bar you all love.
We’ll start with public and product liability insurance, which can cover you against accidents in the wine bar, your outdoor drinking spaces, or elsewhere on the premises. From there, you can add employers’ liability insurance for your team, as well as cover for your essential equipment and stock.
Public and product liability insurance for bars
In case your wine bar causes an injury, illness, or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your wine bar.
Building insurance
In case something happens to your wine bar premises
Contents insurance
In case things like laptops or office filing cabinets are lost, stolen, or damaged.
Stock insurance
In case something happens to your wine, or any other drinks and produce
Business interruption insurance
In case you can’t trade, because of theft or damage to your wine bar’s essentials.
Legal expenses insurance
In case you have to pay legal costs connected with your wine bar.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
In case your wine bar causes an injury, illness, or property damage.
Claims against your business for:
For example:
What you’ll need additional cover for
Read more about public liability insurance
In case anyone gets ill or injured while working for your wine bar.
Claims against your business for:
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
In case something happens to your wine bar premises
For example:
Read more about buildings insurance
In case things like laptops or office filing cabinets are lost, stolen, or damaged.
For example:
Read more about business and office equipment insurance
In case something happens to your wine, or any other drinks and produce
For example:
Read more about stock insurance
In case you can’t trade, because of theft or damage to your wine bar’s essentials.
For example:
Read more about business interruption insurance
In case you have to pay legal costs connected with your wine bar.
For example:
Read more about legal expenses insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
For example:
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
£41 /month
£364.48 /month
A small high street wine bar
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contents & business equipment
£5,000
Stock
£5,000
£48.13 /month
£427.8 /month
A medium-sized wine bar which imports stock, offers tasting experiences and has an ATM on the premises
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contents & business equipment
£25,000
Stock
£30,000
How we work out example quotes These examples are real quotes from our online system (created 19/04/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Main building | £200 | £4000 |
Stock | £200 | £4000 |
Contents | £200 |