Insurance for bars

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Tailored bar insurance for your business. Maximum coverage, minimum cost.

As a bar owner, your customers rely on you to provide the best food and drink to them. But if your food or beverages result in food poisoning, you can face the threat of expensive litigation or regulatory penalties. Bars are also prone to staff suffering injuries while preparing food/drinks. Damage to bar equipment and the bar premises can be incredibly expensive to cover without insurance.
With Provide, you can build yourself a tailored bar insurance policy. Get comprehensive coverage against legal liability, employee injuries/infectious diseases, bar/kitchen equipment damage, and more.

What insurance do bars need?

  • Food poisoning liability insurance: Coverage if you are sued for causing food/drinks poisoning to clients.
  • Property, inventory, and equipment insurance: Coverage for risks like fire, water leaks, burglary, etc. Essentially protects your premises, bar/kitchen equipment, and inventory.
    For instance, your bartender mixes a flaming drink and spills it. A fire breaks out and destroys your bar. This insurance will pay for repairing your bar, replacing your bar equipment, and replacing damaged inventory. 
  • Public liability insurance: Coverage if customers injure themselves in your bar.
    For instance, one of your staff leaves a puddle on the floor. A customer slips and falls in your bar. They can sue you for personal injury damages and medical expenses incurred. 
  • Work injury insurance: Coverage for employee injuries/infectious disease, including Covid-19 infections.
    For instance, one of your bartenders gets Covid-19 after interacting with customers, and spreads it to all your other staff. This insurance will pay for lost wages while quarantined, medical expenses, and legal expenses if your workers sue you for creating an unsafe work environment.
Get started on a quote, or drop us a message to start crafting your own custom policy.Food

What are the major risks bars face?

  • Being sued by customers for food poisoning.
  • Regulatory penalties for food poisoning reports, or food hygiene issues
  • Death, injury or illness of employees. You’ll need Work Injury Compensation Insurance to cover this.
  • Damage to pub premises, equipment, and inventory. Fire damage is a major risk for pubs. 
  • Injuries to customers when in your premises. For instance, if a customer slips and falls, they can sue you for personal injury damages and medical expenses.

What are the benefits of using Provide for bars insurance?

Provide gets you tailored online quotes for bar insurance, at the lowest premiums. 
  • Save up to 25% on premiums 
  • Save time with our convenient online platform to get quotes, file claims, and manage policies
  • Expert insurance team with 20+ years experience serving both SMEs and large multinational firms
  • Available by phone 7 days a week

Get bar insurance tailored for your business. Lowest prices nationwide.

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