Bars continue to grow in popularity, with many coffee shops and restaurants branching out into late-night bars and cocktail establishments. Drinking and socialising is a big part of British culture and incredibly important to our economy. This is why we believe bars deserve to be protected by a broker that understands them.
NDML are one of the leading specialist insurance brokers for bars as well as nightclubs, pubs, restaurant groups and hotels. We insure over half of all independent nightclubs in the UK and have built relationships with key organisations to ensure we really understand the industry in which our clients work.
Bar insurance is crucial to the continuation of the night-time economy. Tight profit margins, new legislation, licensing regulations and legal issues make managing a venue difficult and complex. NDML understands these unique risks and will work alongside bar owners to deliver the insurance they require.
All venues carry completely unique risks. This means it’s important you have the support of a specialist broker to work alongside you and insurers to build a policy that works for you. Bars need an insurance policy that properly protects your building, business operations, belongings, staff and customers, all while fitting within a budget. NDML are dedicated to working with you and insurers, on a case-by-case basis, to find an appropriate solution.
We firmly believe that delivering the right insurance is a matter of experience and expertise. Our team will get to know your bar and your people, then perform a risk assessment so we can find the appropriate cover available on the market.
Remember that the cheapest bar insurance policy may not always provide appropriate protection for your business. Striking a balance between cost effectiveness and quality cover is the key.
At NDML, we’ll walk you through the whole process and guide you through a range of bar insurance covers available.
The list of policies comprised within bar insurance is almost endless.
NDML aim to simplify the process. We provide the following cover for our customers:
Public Liability insurance for bars
Employers’ Liability for bar owners
Buildings and Contents insurance for bars
Directors and Officers’ insurance for bars
Loss of Licence insurance for bars
Business Interruption insurance for bars
Stock insurance for bars
Cash Money insurance for bars
…and also any additional covers
We work with all kinds of bars, including: late bars, cocktail bars, wine bars, gentlemen’s clubs, LGBT+ bars, themed bars, microbars, sports bars, Irish bars, rooftop bars, beer halls, karaoke bars and everything in between. We love visiting new venues and finding out about new businesses – so why not get in touch and tell us all about your bar?
Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.
Employers’ Liability insurance for a bar is required by law. Public Liability insurance for a bar is recommended to cover the possibility of an injury claim. Buildings and Contents insurance for bars provides cover against instances such as damage or theft. Stock insurance for bars covers lost stock in case of events such as a flood or fire, and Money insurance for bars can protect what's in the till. There are many types of insurance a bar should consider to help stay financially protected. NDML will assess your needs and roll up the insurance into an effective, suitable and understandable policy agreement.
The law requires you to display your Employers’ Liability insurance certificate. It does not need to be immediately visible to customers, but it does need to be readily accessible to your employees. In 2008 the legislation was amended to allow business to display their certificates electronically.
Bar insurance price and cost can vary greatly depending on: the size of the bar, the risks involved, the claims history, the broker or insurer you are insured with, and the valuation of your property. At NDML we work hard to challenge claims reserves, manage risks, and provide you with a range of options, so you can focus on the day-to-day running of your bar.
