Mobile Bar Insurance

If you're thinking about starting a mobile bar business, you're in good company. The trend of mobile bars has been on the rise in recent years, and for good reason. Unlike traditional bars, mobile bars can travel to events and provide a unique, customisable experience for customers.

However, as with any business, there are risks associated with mobile bars. That's where mobile bar insurance comes in.

Importance of mobile bar insurance

Mobile bars face unique risks that traditional bars don't, as they travel to different locations, they may be more exposed to different hazards and liabilities.

Without insurance, you may be responsible for paying those damages out of pocket, which may be financially devastating for your business.

Mobile bar insurance provides coverage for a variety of risks, including liability, property damage, and theft.

Types of mobile bar insurance

There are several types of mobile bar insurance policies to choose from, each covering different risks and the most common types of mobile bar insurance include:

Public liability insurance

With public liability insurance, you may be covered for injured employees and clients as well as property damage that may occur because of your business operations.

For example, if a customer slips and falls at an event served by your mobile bar, public liability insurance may provide coverage for any resulting medical expenses or property damage claims.

Employers liability insurance

Employers’ liability insurance is a legal requirement that all businesses must have to protect their employees.  Employers’ liability insurance covers the cost of compensating employees who are injured at or become ill through work.

Comprehensive mobile bar insurance coverage

Comprehensive mobile catering insurance coverage combines all of the above policies into one comprehensive policy, providing coverage for the risks associated with operating a mobile bar business.

Benefits of mobile bar insurance

The benefits of mobile bar insurance are numerous. By having cover, you can:

• Protect your business from financial losses resulting from unexpected events
• Protect your personal assets in the event of a lawsuit
• Meet the requirements of event venues and clients who may require proof of insurance
• Gain peace of mind knowing that you're covered in the event of an accident or other unexpected event

Factors to consider when choosing mobile bar insurance

When choosing a mobile bar cover, there are several factors to consider.

Coverage limits

Make sure your policy provides adequate cover for your business operations. You don't want to be caught with insufficient cover in the event of a claim.

Look into protection not only for your vehicle and business but protection for equipment, employees, and any other investment.

Excess

Consider the excess associated with each policy option. Higher excess amounts can result in lower premiums, but also mean you'll pay more out of pocket in the event of a claim.

Mobile bar insurance with Mobilers

Mobilers can arrange cover for Vans and Modified Vehicles, such as Horse Trailers and Bar Bikes.

Policy benefits can include*:

• Instant cover available
• Permanent fixture and fittings cover
• Mirrored No Claims Discount available
• Cover for policy holders over 21 years old

Policy benefits for a modified trailer bar can include*:

• Instant cover available
• Permanent fixture and fittings cover
• Stock cover
• Generator cover

*Policy benefits, features, exclusions and discounts offered may vary between insurance schemes or cover selected and are subject to underwriting criteria

Conclusion

Operating a mobile bar business can be a rewarding and profitable venture, but it's important to protect yourself from the risks associated with the industry.

Mobile bar insurance provides cover for a variety of risks, including liability, property damage, and theft, and can help you avoid financial losses resulting from unexpected events.

By choosing a comprehensive mobile bar insurance policy, you can simplify the claims process and save money on premiums.

Our mobile bar insurance team can help find the appropriate cover to suit you and your mobile bar business. Please call us on 01926454907 to speak to one of our friendly team or get a quote online.