🍺Food & Hospitality
Public Liability Insurance for Bars & Pubs
Bars and pubs face unique liability risks from alcohol service, intoxicated patrons, and violence. Our bars and pubs insurance covers assault liability, dram shop claims, and property damage from incidents in your venue.
✅ ICNZ Fair Code🔒 Licensed NZ Brokers💰 From $1,000💡 Free Expert Advice✓ No Obligation
✅ What's Covered for Bars & Pubs in NZ
Assault injury compensation
Dram shop liability for over-serving
Third-party injury from patron
Property damage from violence
Legal costs for defending assault claims
Medical costs for injured parties
Damage to pub property
Typical NZ Premium
$1,000 – $2,000/year
Cover limits: $1M or $2M
⚠️ Key Risks Facing Bars & Pubs in NZ
Without public liability insurance, a single claim could threaten your livelihood. These are the risks most commonly faced by bars & pubs in New Zealand:
01Assault or injury from intoxicated patron
02Injury from broken glass or weapons
03Dram shop liability (over-serving)
04Third-party injury from patron behaviour
05Property damage from fights or violence
06Slip and fall from spilt alcohol
07Injury to staff from assault
08Injury from defective equipment or furniture
Frequently Asked Questions
What is dram shop liability?
If you over-serve alcohol and the patron injures a third party, you may be liable. NZ law holds venues responsible for reckless service. Always check ID and monitor intoxication.
If a patron assaults another guest, am I liable?
You're liable if you failed to provide adequate security or control the situation. Insurance covers the injury claim. Employ security and staff trained in violence prevention.
Does the cover include late-night venues or nightclubs?
Late-night venues have higher risk. Some insurers specialize in nightclub cover. Disclose your opening hours and typical patron numbers.
What if staff are injured in an assault?
Your public liability covers third-party injury. Staff injuries need employer liability insurance. Ensure you have both covers.
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Why Use Our Service?
✅ICNZ Fair Insurance Code
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💡Free Expert Advice
✓No Obligation
⚡Same-Day Response