Cocktail Bar Insurance

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Cocktail Bar Insurance

tipped by the UK’s favourite nightlife insurance broker

Cocktail bars specialise in refinement and sophistication. This diversification of the hospitality sector has a firm grasp on the top 100 list of world’s best bars. Chic, stylish and exclusive; cocktail bars blend molecular mixology with outrageously tasteful decor.

Yet, many dangers put these establishments at risk. New legislation, licensing regulations, legal issues and the general tightening of people’s wallets due to the cost of living crisis is make managing a cocktail bar a complex endeavour. NDML understands this, and it’s our mission to work alongside business owners to deliver insurance tailored to their needs.

Insurance for cocktail bars aims to address the specific requirements, and in turn, a key section of our city’s landscape. However, insurers won’t provide a tailored policy without guidance. Brokers will take into account your needs, provide that guidance, and help develop an insurance policy that fits your requirements. This would include your building, business operations, belongings, staff, customers; all while fitting within a budget. NDML are dedicated to working with you and insurers to find the best insurance solution for your cocktail bar.

What insurance do I need for my cocktail bar?

At NDML, we offer both quality and quantity, only providing the best comprehensive cover to our clients.
Cocktail bar owners will require a range of insurance options within their policy. 

Public Liability insurance for a bar will protect you against slips trips claims and third-party damages. This is essential for every business.

Employers’ liability insurance will cover cocktail bar owners against claims made by employees.

Buildings and contents insurance for cocktail bars owners is crucial for the protection of your premises against theft fire and flood.

Directors’ and Officers liability for bar owners can cover the compensation costs of claims made against CEOs and company directors.

Business Interruption insurance for cocktail bars will cover against any loss of business due to the after effects of a claim or unforeseen circumstance. For any periods you cannot carry out business, this insurance policy will cover the loss of income in line with the profit you would have made.

Loss of Licence policy will protect against the negative effects of having your license revoked.

Stock insurance will cover the cost of replacing stock if its damaged, lost, stolen or destroyed.

Money insurance will protect your bar’s money on site as well as any finances in transit to the bank.

We work with a wide range of hospitality businesses, including: bars, clubs, pubs, nightclubs and hotels. We offer comprehensive commercial combined cover as well as business protection. We also offer additional covers which are necessary for clients of a certain type or area. We want to help grow the sector by protecting it.

Mixing Quality and Cost

At NDML, we aim to strike a balance between cost effectiveness and quality cover. It’s why we are the largest independent insurance broker for bars and nightclubs. We’ll help you find affordable bar insurance that provides all the protection you need.

We firmly believe that delivering the right insurance is a matter of experience and expertise. Our team will get to know the individual needs of your bar, we’ll get to know your people, perform a risk assessment, and then find the best cover available on the market.

FAQs on Cocktail Bar Insurance

How much is it to insure a cocktail bar?

The cost of insuring a bar varies depending on the size, capacity, location, condition and history of your venue. For the most effective 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.

What types of insurance do cocktail bars require?

Employers’ liability insurance is required by law for all UK businesses. If you don’t have it, you could be heavily fined and shut down. Public liability insurance is recommended to cover the possibility of an injury claim and buildings and contents insurance will cover against instances such as damages or theft. There are many other types of insurance a bar will need. NDML will assess your needs and roll up the insurance into an effective, tailored policy agreement.

What insurance should a cocktail bar owners have on display at the bar?

In 2008, the legislation was amended to allow business to display their certificate electronically. The law requires you to have your employers’ liability insurance certificate readily available. It does not need to be immediately visible to customers, but it does need to be readily accessible to your employees.

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