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bar business insurance tips

Serving drinks is risky. At your bar, you could be held liable for the actions of an intoxicated customer. That’s why liquor liability insurance is such an important investment, alongside basic protection like workers’ comp.

What are the different types of Bar Insurance that I may need?

  • Property & General Liability

  • Liquor Liability

  • Commercial Auto 

  • Worker's Compensation

  • Professional Liability (E&O)

  • Commercial Umbrella

 

How much does Bar Insurance cost?

There are many different factors that can affect your cost for bar insurance, including your:
 

  • Location, because some states have minimum coverage requirements that can increase your insurance cost.

  • History, especially if you’ve faced many claims and lawsuits in the past.

  • Number of Employees, because the more employees you have, the more it can cost for coverage.

  • Policy terms, like choosing a higher coverage amount, deductible or earlier retroactive date.

  • General aggregate limit, the total amount of coverage you may need for potential losses.

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