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 the best.
NDML are the leading specialist insurance broker for bars as well as nightclubs, pubs, restaurant groups and hotels. We insure the majority of late night leisure venues in the UK. We’re number one in our sector, having won multiple customer service awards, and having built relationships with key organisations.
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 one of the most 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. Insurers won’t provide an all-encompassing, tailored policy without guidance. However, bars need an insurance policy that comprehensively protects your building, business operations, belongings, staff, customers; all while fitting within a budget. NDML are dedicated to working with you and insurers, on a case-by-case basis, to find the 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 best cover available on the market.
Remember that the cheapest bar insurance policy will not always provide the best 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. We are best placed to you find affordable bar insurance that provides all the protection you need.
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?
The cost of a bar insurance policy varies. Factors which affect the cost include the size of your venue, the capacity, the location, the condition and your insurance history. For the most effective bar insurance for the best price, use a broker. NDML will perform a risk assessment and tailor your policy to cover all the needs of your bar.
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 will cover against instances such as damages or theft. Stock insurance for bars will cover lost stock incase of a flood or fire, and cash money insurance for bars will protect what's in the till. There are many types of insurance a bar must have to stay financially protected. NDML will assess your needs and roll up the insurance into an effective, tailored 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 you employees. In 2008 the legislation was amended to allow business to display their certificate 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 are best placed to negotiate on the cost of your bar insurance, so you can focus on the day-to-day running of your bar. We work hard to challenge claims reserves, manage risks, and produce fantastic premiums.
At NDML, we are running campaigns which aim to not only promote our fantastic clients and their venues, but also to spread awareness about the challenges currently faced by operators.
As part of our #WeAreNightlife campaign, we interviewed arcade and video games bar owners, Lee and Ed from Pixel Bar. Watch our recent interview with Pixel Bar here.
