(888) 900 0205Business Insurance for Bars and Taverns
Running a bar or tavern comes with its fair share of risks. Between serving alcohol, managing a busy crowd, and keeping your staff safe, there’s a lot to juggle. That’s where business insurance for bars and taverns comes in. It helps protect you from the unexpected—whether it's a customer slipping on a spilled drink or a property damage claim after a busy night. Having the right coverage in place can give you peace of mind, knowing you're covered if something goes wrong.
General Liability Insurance for Bars and Taverns
General liability insurance is a must-have for bars and taverns. It covers accidents or injuries that happen on your property. This includes things like slip-and-falls or accidental property damage.
Example: A customer slips on a wet floor in your bar and fractures their arm. They decide to sue your business for medical bills. Your general liability insurance would help cover the cost of the lawsuit and medical expenses.
Business Owner's Policy (BOP) for Bars and Taverns
A Business Owner’s Policy (BOP) combines general liability with property insurance, which covers the physical assets of your business—like your building, furniture, and equipment. This makes it a good all-in-one solution for many bar and tavern owners.
Example: A fire breaks out in your kitchen and damages your cooking equipment. Your BOP would cover the cost of replacing the damaged equipment, along with repairs to the property itself.
Liquor Liability Insurance for Bars and Taverns
Liquor liability insurance is a must for any establishment serving alcohol. It covers claims that arise from alcohol-related incidents, like accidents or injuries caused by over-serving patrons.
Example: A customer becomes intoxicated at your bar and later causes a car accident. The injured party sues your bar for over-serving alcohol. Liquor liability insurance would help cover the legal fees and any settlement costs.