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Pub Equipment & Stock Insurance: Avoiding Hidden Risks for UK Pubs
Running a pub in the UK can bring a unique set of challenges, especially when it comes to protecting essential equipment and valuable stock. Pubs…
BarInsurance
Bar Insurance
Public liability, employers’ liability and loss of licence cover built for bars, late trading, entertainment and all.
Public liability, employers’ liability and loss of licence cover built for bars, late trading, entertainment and all.
Glass-related claimsLoss of licenceLive events
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is bar insurance?
Bar insurance is a combination of covers built around serving alcohol and entertaining guests, public liability for customer injury, employers’ liability if you have staff, and loss of licence cover to protect your income if your alcohol licence is ever suspended.
Bars tend to trade later, focus more on drinks and entertainment than food, and often deal with bigger crowds at closing time than a typical pub.
The right bar cover depends on:
Whether you serve foodLive music or DJ entertainmentTrading hours and late closingBar stock and glasswareOutdoor or smoking areasNumber of sites
Is this cover right for your bar?
Is this cover right for your bar?
This cover suits any business serving alcohol and entertaining guests, whatever the format.
This cover suits any business serving alcohol and entertaining guests, whatever the format.
Cocktail Bars
Drinks-focused bars with a wide spirits range.
Wine Bars
Bars built around a curated wine list.
Sports Bars
Bars with screens and event-day crowds.
Late-Night Bars
Bars trading into the early hours.
Bars with Entertainment
Live music, DJs or regular events.
Multiple Sites
Owners managing more than one bar.
What could go wrong at your bar?
What could go wrong at your bar?
Most bar claims come from a customer injured on a busy night, glass causing an injury, an incident during a live event, or a leak damaging stock.
Most bar claims come from a customer injured on a busy night, glass causing an injury, an incident during a live event, or a leak damaging stock.
Public liability covers claims if someone is hurt on your premises, including at closing time.
How could a claim affect your bar?
How could a claim affect your bar?
A busy night gone wrong can mean lost trade on top of the claim itself.
A busy night gone wrong can mean lost trade on top of the claim itself.
Fire
A fire damages the bar area and forces you to close.
What cover may respond?
Property + Business Interruption
Escape of Water
A leak causes significant damage to stock and fittings.
What cover may respond?
Property + Business Interruption
Licence Suspension
Your alcohol licence is suspended or withdrawn.
What cover may respond?
Loss of Licence Cover
Customer Injury
A customer is injured on a busy night.
What cover may respond?
Public Liability
Who needs bar insurance?
Bar insurance may be suitable if you serve alcohol to the public, whatever the size or format of your venue.
This cover may be suitable if you’re:
Running an independent barManaging a chain or multiple sitesOffering regular live entertainmentTrading late into the nightServing light food alongside drinksRunning an outdoor or smoking areaCover built around your bar
Cover built around your bar
Most bars combine public liability, employers’ liability and stock cover, with loss of licence protection and cover for live events.
Most bars combine public liability, employers’ liability and stock cover, with loss of licence protection and cover for live events.
Public Liability
Protection if a customer or member of the public is injured or their property is damaged.
Loss of Licence
Protects your income if your alcohol licence is suspended or withdrawn.
Business Interruption
Potential protection for lost trade if an insured event stops you trading.
Stock & Equipment
Cover for eligible bar stock, glassware and equipment.
Employers’ Liability
A legal requirement once you employ any staff, even casual bar work.
Legal Expenses
Additional legal protection for licensing and contract disputes.
How much does bar insurance cost?
There’s no fixed price. It depends on whether you serve food, your trading hours, entertainment and your claims history.
Whether you serve food
A kitchen adds product liability risk alongside your core cover.
Entertainment
Live music, DJs or events can affect your premium.
Trading hours
Later closing times can affect your risk profile.
Loss of licence cover
Adding this cover increases your premium but protects your income.
Number of staff
More employees increase your employers’ liability exposure.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get bar insurance
How to get bar insurance
Getting bar insurance takes four steps: tell us about your bar, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting bar insurance takes four steps: tell us about your bar, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your bar
Trading hours, entertainment and whether you sell food.
2
Choose your covers
Public liability, loss of licence and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Bar insurance guides
Bar insurance guides
Premises licences, late trading and glass-related injury claims.
Premises licences, late trading and glass-related injury claims.
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Pub Insurance UK: Essential Covers from Public Liability to Stock & Equipment
Operating a pub in the UK presents a wide range of business risks, from serving the public daily to managing valuable stock and specialist equipment.…
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Top 7 Pub Insurance Extras: Employers’ Liability, Glass & Fire Cover Explained
Running a pub in the UK often involves managing more than just the day-to-day trade. From public safety and staff protection to the safeguarding of…
Bar insurance FAQs
Bar insurance FAQs
Straight answers on cover, loss of licence and entertainment.
Straight answers on cover, loss of licence and entertainment.
Bar insurance is a combination of covers built around serving alcohol and entertaining guests: public liability for customer injury, employers’ liability if you have staff, and loss of licence cover to protect your income if your alcohol licence is suspended.
Still have questions?
Our advisers are here to help you find the right solution.