Bar Insurance UK

If you employ staff, employers’ liability insurance is normally a legal requirement. Bars commonly also arrange public liability, stock, contents and business interruption cover.

Premium depends on turnover, opening hours, entertainment, security, capacity, claims history, stock values and the cover selected. Smaller bars may pay less than large or late-night venues.

Often yes. Insurers usually need the dates, causes and paid amounts, together with evidence of any risk improvements made since the incidents.

Many policies can be adapted for entertainment, but DJs, live music, promoted events and dance-floor activity must be disclosed because they can materially change the risk.

Sometimes. A coordinated programme may be available where insurer appetite supports the venues and their trading profiles.