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Bar and Wine Bar Insurance

Flexible insurance policies for wine bars, cocktail bars and other licenced venues.

Each licenced premise 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 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 offer pub insurance.

Cover Available for Bars and Wine Bars.

  • Contents insurance.

  • Accidental damage.

  • Glass.

  • Business interruption.

  • Employers liability.

  • Public and products liability.

  • Book debts/account receivable.

  • Money in safe.

  • Money on premises.

  • Legal expenses.

  • Subsidence.

  • Loss of rent receivable.

  • Tenants improvements.

  • Terrorism.

  • Embedded breakdown.

  • Goods in transit.

  • Buildings cover.

You Could Save Over 15%*

Mon-Fri: 8am - 6pm

Call our team to receive your free, no obligation quote today.

Quote line: 0330 134 4564

* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.

Why Do I Need Bar or Wine Bar Insurance?

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.

What Insurance Cover Do I Need for a Bar or Wine Bar?

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.

What Optional Cover Is Available?

Bars now provide more than just food and drink facilities; you may host a variety of different events such as parties and wedding receptions. 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.

How Much Does Bar or Wine Bar Insurance Cost?

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 differing 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.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. The Cabovino Wine Bar & Tapas in New Brighton, Wirral is one of our high street heroes. Visit their website here:

You Could Save Over 15% With Us*

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Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

Call our team to receive a no obligation, instant quote today.

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

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