Late Night Bar Insurance

Quotes currently processed within 2 hours

Our Late Night Bar Insurance is designed to cover the unique risks of late-night venues. With extended hours and specialist equipment, these bars need more than standard hospitality cover. This policy offers robust protection, giving your clients confidence their venue is fully safeguarded.

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Features & Benefits Cover Highlights Additional Information

Features & Benefits

  • A-rated capacity provided by Hadron or Accelerant

  • Policies extending to include sound, video, and lighting equipment

  • Skilled underwriters ensuring prompt responses to quotes

  • Highly competitive rates with generous commission levels

  • Quotes actioned within 2 hours, urgent cases always prioritised

  • Claims managed by Sedgwick, a specialist claims management company

  • Total MD/BI sums insured up to £15 million (per location)

  • No limit on opening hours

  • Coverage can include:

    • Door staff (third-party or own)
    • Events
    • Live music and entertainment
    • Certain entertainment activities
    • Pyrotechnics
    • Simulators

Cover Highlights

  • Business interruption – £500,000
  • Goods in transit – £2,000
  • Money – £5,000 in transit / £2,000 in safe
  • Deterioration of stock – £2,000
  • Glass cover – unlimited
  • Public & products liability – £5,000,000
  • Employers’ liability – £10,000,000
  • Loss of licence – £100,000
  • Legal expenses – £100,000
  • Buildings
  • Contents
  • Tenants improvements
  • Stock
  • Electronic business equipment
  • Sound, lighting, and entertainment equipment
  • Stock of tobacco
  • Stock of wines & spirits

Additional Information

  • To get a late night bar quote, please key through our Nightclub product.
  • You should quote under our late night bar/nightclub product if the business typically closes after 2am.

If you are unsure get in touch via our online chat or call 0333 032 5000.

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