Wine bar insurance

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Wine bartender pouring a glass of red wine in front of shelves of wine

Why do you need bar insurance?

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.

  • bar liability insurance – public and product liability, starting at £1 million
  • peace of mind, letting you focus on the wine, not the what-ifs
  • quotes start at £4.74 a month based on 2024 data for wine bar insurance


Insurance for wine bars – what does it cover?

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.


Insurance for bars – how much does it cost?

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.

Prices start from £4.74 per month

Get your tailored quotes in 7 minutes

Example wine bar insurance quotes, real prices

What kind of excess should I expect?

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

£4000

Employers liability

No excess

No excess

Public liability

No excess

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.


How it works

Pick what goes into your policy

Get prices from a range of insurers

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

Example claim

Having wine bar insurance through Simply Business has saved businesses thousands of pounds when the unexpected happened.

Emily saved more than £14,700

After being closed for three months Emily (not her real name) was ready to reopen her wine bar, but found her freezer had failed and the products inside had gone bad. The stock cover in Emily’s wine bar insurance covered the cost of replacing her frozen products.

Chosen by nearly 1 million small businesses and landlords

Bar business insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about bar insurance. You can also check out our business insurance FAQs.

This depends on your business, and which insurer is providing your cover. Prices start from £6.56 a month for our wine bar business customers – we work this out by taking the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July – 31 December 2020). Most customers pay more than this but some pay less.

Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions


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