Running a wine bar is about more than serving great wine, it’s about creating atmosphere, providing hospitality, and managing a safe, compliant licensed venue. But behind the bar, there are serious business risks that require the right protection.

Most standard insurers won’t cover wine bars properly because licensed venues are considered higher risk due to alcohol service, customer volume, and late trading. That’s where Morgan Insurance Brokers can help.

We specialise in hospitality insurance and liquor-licensed venue insurance, working with a panel of insurers who understand the risks of wine bars and can provide comprehensive, affordable cover.

Why Standard Insurers Won’t Cover Wine Bars

Many general insurers view wine bars as “too risky” and refuse to quote, or they issue policies that exclude key incidents. This can leave bar owners unknowingly exposed.

Common reasons for declined or limited cover include:

• Alcohol service and intoxication-related claims
• Customer slips, trips, and falls
• Live music or entertainment on premises
• Security requirements and late-night trading
• Liquor licensing compliance issues

Without the right policy, even a small incident could lead to significant financial loss. Choosing a broker who specialises in licensed venues ensures you’re properly protected.

What Does Wine Bar Insurance Cover?

A tailored Wine Bar Insurance Package combines essential business covers into one flexible policy designed specifically for your venue.

Business Property and Contents

Protects your bar fit-out, furniture, décor, glassware, and stock against fire, theft, and accidental damage.

Public and Products Liability

Covers you if a customer is injured or their property is damaged, for example, a slip on a wet floor or an incident related to alcohol service.

Machinery and Electronic Breakdown

Covers refrigeration, wine coolers, POS systems, and sound systems against electrical or mechanical failure.

Business Interruption

Helps replace lost income and ongoing expenses if your bar can’t trade due to an insured event like fire, flood, or equipment breakdown.

Glass and Signage

Covers accidental damage to windows, mirrors, and illuminated signage.

Theft and Money Cover

Protects against theft or break-ins, including loss of cash from the premises.

Cyber Insurance

Covers data breaches, ransomware, and other cyber threats targeting your digital systems, bookings, or payment platforms.

Management Liability Insurance

If you employ staff, Management Liability Insurance is essential. It protects your management and business from claims such as unfair dismissal, bullying, harassment, or breaches of workplace law.

This cover is especially important in hospitality businesses where multiple shifts, casual employment, and licensing regulations can increase the risk of HR-related claims.

Why You Need a Specialist Broker

Insurance for licensed venues isn’t the same as insurance for standard retail businesses. A broker who doesn’t understand hospitality can leave gaps in your cover, or struggle to find an insurer willing to take on the risk.

Morgan Insurance Brokers removes that stress by working directly with a panel of specialist hospitality insurers that provide full cover for bars, restaurants, and licensed venues.

We help you by:

• Comparing policies from multiple specialist insurers
• Tailoring cover to your venue’s trading hours, licensing, and entertainment setup
• Identifying and eliminating policy exclusions that could leave you unprotected
• Managing the claims process on your behalf from start to finish

With a specialist broker on your side, you get peace of mind knowing your wine bar is properly insured.

Why Choose Morgan Insurance Brokers

At Morgan Insurance Brokers, we’re more than just an insurance broker, we’re hospitality industry experts. We know the challenges that come with running a bar and the level of protection you need to operate with confidence.

Why venue owners trust us:

• Access to a panel of leading hospitality insurers
• Deep understanding of liquor licensing and compliance
• Personalised service from a specialist broker
• Dedicated claims support and fast turnaround times

We don’t rely on cookie-cutter policies, we create tailored insurance solutions that work for your venue.

Get a Quote for Wine Bar Insurance

Don’t risk being underinsured with a policy that doesn’t understand your business.
Choose a broker who specialises in licensed venues and hospitality insurance.

Contact Morgan Insurance Brokers today for a free, no-obligation quote tailored to your wine bar.