Small business insurance

Bar Insurance

Bars serve late, get busy and pour a lot of liquor, and every one of those things shapes your risk. Hospo Cover arranges hospitality insurance packages for Australian bars and cocktail venues, comparing cover across a panel of insurers so your patrons, your stock and your takings are all looked after.

Get my quote 1300 080 323

5.0★ from 250+ Google reviews 60-second quote Licensed & Australian

Quick Quote

60 seconds

What's your venue?

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No obligation. Subject to eligibility and underwriting.

Cover

What bars need covered

Public Liability & Patron Safety

Crowded rooms, alcohol and hard floors are a claim waiting to happen. A patron hurt in a fall or an altercation can bring a claim your way, and public liability can respond to third-party injury and the legal costs of defending it.

Liquor & Licensed-Venue Risk

Serving alcohol brings responsible-service obligations and extra scrutiny at claim time. It is worth telling your broker exactly how you trade, your hours, your security and your events, so cover is arranged around a licensed venue rather than a generic shop.

Glass

Glassware, mirrors, the shopfront and display fridges all break in a busy bar. Glass cover can pay to replace them quickly, so a smashed front window does not stop you opening tonight.

Money

Bars handle floats, cash takings and tips, often late at night. Money cover can respond to theft of takings on the premises, in transit to the bank or from a locked safe.

Contents, Stock & Fit-out

Your fit-out, sound system, spirits and cellar are all real money. Contents and stock cover can respond to fire, theft or storm, so one bad night does not clean you out.

Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.

5.0 from 250+ Google reviews

Reviews are for Stonewell Insurance, the business behind Hospo Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).

FAQ

Bars insurance questions.

Speak with our team on 1300 080 323.

What insurance does a bar need?

Most bars start with public liability, then add contents, stock and fit-out cover, glass, money for takings and business interruption. Because you are a licensed venue, it helps to have a broker arrange cover around how you actually trade. Hospo Cover can compare options across a panel of insurers for you.

Does bar insurance cover alcohol-related incidents?

Public liability can respond to third-party injury claims arising from your venue, subject to your policy terms. Because serving alcohol adds risk and responsible-service duties, it is important to disclose how you trade so cover is arranged correctly. We can talk this through with you. This is general advice only.

Does bar insurance cover broken glass and glassware?

It can, if glass cover is included. That cover can respond to breakage of shopfront glass, mirrors and display cabinets, and depending on the policy, your glassware. We can arrange the glass cover that suits how your bar is fitted out.

How much does bar insurance cost?

There is no single price. It depends on your turnover, your trading hours, your location and the covers you choose. We compare options across a panel of insurers and come back to you with quotes for your bar.

Other occupations we cover

Pubs Restaurants Breweries

View all occupations →

Ready to get bars covered?

Tell us about your business in about 60 seconds and we come back to you with options.

Get my quote 1300 080 323

Hospo Cover is a registered trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).