Bar and Wine Bar Insurance from smei

Bar and Wine Bar Insurance

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

Get a fast, no obligation quote which could save you over 20%* 0330 134 4564 Get a quote

Bar and Wine Bar Insurance

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

Each licenced premises 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 bar insurance 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 arrange pub insurance.

Cover Available for Bars and Wine Bars**

HoverTap to learn more about our available cover
  • 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 20%*

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

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564
Premiums from as little as £588.50

In the past 12 months our customers have paid as little as £588.50 per annum for bar and wine bar insurance.

50% of our bar and wine bar customers paid less than £1,189.72 per annum.***

Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 90 policies sold in 2020.


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.


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.


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.


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 different 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:

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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Feefo Reviews

of our customers would recommend our service based on Feefo

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Customer Testimonials
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As a previous customer of smei, they contacted me regarding my premium this year and got me an amazing price. Gentleman I dealt with was brilliant, and not too pushy to take on the insurance.

Mrs Sarah Walton

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