Insurance for wine bars is designed to protect everyone involved, you, your staff, your suppliers and your customers. It’s also essential to ensure you have the right cover to protect your buildings, stock and liability to employees and the public. Bar insurance can offer comprehensive protection to safeguard your livelihood, and let you work without worry.
Every bar is different and requires relevant cover to ensure protection. As careful as you may be, accidents do happen and have the potential to impact your business and future ability to trade. Having the right insurance in place can give you peace of mind to focus on what really matters – running your business.
We can arrange insurance to protect your livelihood against a range of eventualities, from slips trips and falls, to devastating weather events. You never know what is around the corner so comprehensive insurance for your wine bar is crucial for business continuity.
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 you 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.
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.
Typically, bar insurance 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, bouncy castle hire, 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 cover.