0333 320 6009
0333 320 6009
Bartender serving wine on a tray


Wine Bar Insurance

Pour with confidence: Essential insurance for wine bar owners

We compare quotes from leading insurers

Compare wine bar insurance with Premierline

If you own or operate a vibrant wine bar, it's crucial to protect your business and assets from unforeseen risks.

Running a wine bar involves various risks that can disrupt your operations and potentially harm your business. Having suitable insurance coverage ensures that you are prepared for these unforeseen circumstances. At Premierline, we can source a range of insurance policies specifically designed to meet the needs of wine bar owners.

Whether you're running a cosy wine bar or a bustling establishment, we understand the unique risks associated with your industry. Our tailored wine bar insurance packages are designed to protect your business from unforeseen events, allowing you to focus on what you do best – providing a delightful experience for your customers.

We compare quotes from a panel of some of the UK's most trusted insurers to get tailored cover to suit your business. We understand the pressures of running your own business, particularly in hospitality and can make recommendations based on your unique requirements. Simply start a quote today.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

Wine bar insurance cover in detail

What is wine bar insurance?

Wine bar insurance is a business insurance package tailored to safeguard your bar or venue against the unique risks associated with operating a wine-focused establishment. Whether you serve fine wines, offer wine tasting events, or provide a cosy ambience for customers to unwind, we can arrange insurance policies crafted to protect you from potential liabilities and losses. This will give you peace of mind, allowing you to run your wine bar without additional worry.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:
Customers enjoying drinks in a bar

Public liability insurance

Accidents happen, and if a customer or member of the public suffers an injury or property damage on your premises, public liability insurance is vital. Public liability insurance safeguards your wine bar from claims made by third parties. Whether it's a slip or a spill, this coverage provides you with financial protection and peace of mind.
Bartender serving wine on a tray

Employers' liability insurance

If you have staff working in your wine bar, employers' liability insurance is a legal requirement. It protects you against claims made by your employees for work-related injuries or illnesses. We understand the importance of keeping your staff protected, and we'll help you find the right coverage to meet your obligations.
Employee placing an open sign on business door

Business interruption insurance

Business interruption cover not only protects your income and fixed expenses should you suffer a property damage loss as a result of an insured event but can also cater for increased costs of working. Simply put, this means that if your bar is completely destroyed, the cost of trading from another premises could be covered, to get you back up and running as soon as possible.
The cavern club in Liverpool

Property covers

Your wine bar insurance can cover your business against a number of events, so it’s important to consider all your exposures when arranging your bar insurance. For example, if you’re running a bar located close to the coast your premises may be more prone to storm damage. However, if you’re situated in an old or unusual building, then you will need to assess the premises from a health and safety or general maintenance perspective to check that your wine bar insurance covers you for all eventualities.

Your premises, equipment and stock are valuable assets that should also be included in your policy. Consider your position if you were to suffer a fire in the kitchen, and come in the next day to a pile of rubble and ash. This could have a significant impact on your bar’s ability to trade - without the right cover in place, it could mean the end of your business. Protecting your contents, buildings and stock is a given, but insuring against business interruption is just as crucial.

Empty room in a pub

Loss of licence cover

Loss of Licence Insurance is a crucial coverage for wine bars. If your alcohol licence is suspended or revoked, this insurance provides financial support for legal fees, loss of profits, and ongoing expenses during that period. With loss of licence insurance, you can safeguard your wine bar and mitigate the financial impact of such an unforeseen event.
Judges gavel in a courtroom

Commercial legal protection

Commercial legal protection covers legal expenses incurred when defending your wine bar's legal rights. It ensures you have access to professional legal advice and support when dealing with contractual disputes, employment issues, or other legal matters.

Wine bar insurance FAQs

Yes, we'd recommend having adequate wine bar insurance. Insurance is essential for protecting your business from potential risks. It provides financial security and ensures that you can recover from unexpected events without significant disruptions or financial losses.

At Premierline, we offer affordable wine bar insurance that can be as simple or comprehensive as you need depending on the size of your wine bar. When deciding what wine bar insurance you need to protect your business, you should consider the following:

  • Public liability – for injured customers or damage to their property.
  • Employers' liability – to protect your employees.
  • Buildings cover – to cover for loss or damage to your buildings.
  • Equipment, contents and stock – to reinstate your items and property.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Loss of licence - in the event of a licence being revoked, suspended, or not renewed by the licensing authority.
  • Business legal expenses – to cover the cost of legal expenses or defend your bar against legal action.
More information
The cost of wine bar insurance depends on various factors such as the size of your business, the level of coverage you require, your location, and the specific risks associated with your wine bar. At Premierline, we work closely with leading insurers to provide competitive quotes tailored to your needs.

When you choose Premierline as your insurance broker, you'll benefit from:

Expertise: Our experienced team understands the unique risks faced by wine bars, and we can recommend the most suitable coverage options for your business.

Trusted Insurers: As a broker, we have access to a wide range of insurers and can compare multiple quotes to find the most competitive rates for your wine bar insurance.

Tailored Solutions: We work closely with you to understand your specific requirements and tailor insurance packages that provide comprehensive coverage while fitting within your budget.

Exceptional Service: At Premierline, we pride ourselves on delivering outstanding customer service. Our dedicated team is here to support you throughout the insurance policy.

Ongoing Support: As your business evolves, we'll review your insurance needs and ensure that your coverage remains adequate. We're committed to building long-term relationships with our customers.

Typically, the insurance packages we arrange can be tailored specifically to protect a number of trades in this sector. This includes cocktail bars, wine bars, public houses and many other drinking establishments. Bar insurance can accommodate live music, birthdays, weddings, parties, private functions, outside catering, overnight accommodation and much more.

Your policy should be shaped to cover all of your trading activities. Working until the early hours of the morning can be exhausting without the additional worry that something could go wrong. Having the right insurance in place will give you peace of mind and let you focus on what really matters – your business. Our business insurance advisors are on hand to arrange your insurance cover and support you for the duration of your policy.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 

Why choose Premierline?

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We're Business Insurance Experts

We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning service - We're trusted by thousands of SMEs across the UK
  • Comprehensive protection - We can help with all your commercial insurance needs
  • UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Excellent customer service. Friendly, relaxed manner whilst very professional. The two team members I spoke to were friendly and clear. They were both very professional and very efficient and my insurance was sorted swiftly.”
Catering Business Owner
Customer since January 2024
4.7/5 stars

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.

Speak to a wine bar insurance expert

Choose Premierline as your insurance partner to access tailored solutions that address the unique challenges faced by wine bars. Contact us today to secure the protection you need.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

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