Insurance for Bars, Clubs and Other Drinking Places

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844--9933 anytime.

Better, Regardless of Your Size

Cheers to that: fast and simple quotes for the best businesses out there

Get a free quote faster than you can shake that cocktail. Simply take our online assessment tool and your insurance will be delivered in seconds.
Plans lower than your regular set of drinks

Through our years of experience, we have crafted an insurance that allows us to have customized plans, yet better coverage. In fact, our insurance is better than 90% of others in the market.
Get back to shaking cocktails in minutes

In just a few seconds, you can get a free quote and buy an insurance online or even on the phone. We have a transparent, smart and easy application that will get you protected in no time at all.
We protect your business regardless of your history

Bad credit? That doesn't matter to us, as we protect you according to your needs no matter your history. You'll get the right coverage right away. Give us a call today!

Coverage Plans for All Your Needs

Alcohol is dangerous, and when serving it to customers there are potential long-term repercussions. We have the coverage to help protect your liability as well as your property and keep business running smoothly.

BASIC

Essential coverage for your Bar

Business Owners Policy (BOP)

From

Month

Instant quote »

Includes:

Bodily Injury
Damage to third party property
Business Personal Property
Personal Injury
Lost business income
Equipment Breakdown coverage

Get BASIC plan

STANDARD

When you also serve alcohol

Business Owners Policy (BOP) + Liquor Liability

All Basic plan benefits and:

Covers damages because of injury for selling, serving or furnishing alcoholic beverages

Get STANDARD plan

PRO

Get protected against employment-related issues

BOP + Liquor Liability + Workers Compensation*

All Standard plan benefits and:

Coverage for work-related issues and subsequent:
- Ongoing medical care (such as rehab)
- Missed wages during recovery

*plus Workers Compensation

Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Equipment Breakdown, Health Insurance etc.

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

We've Got You Covered with Coverage You Need

These businesses serve liquor and sometimes offer food. Examples of a company that would fall under this industry are bars, cocktail lounges, nightclubs, and taverns. Considering the legal issues with serving alcohol to an already intoxicated client, and the potential lawsuit and damages that would be assigned to you after that customer’s ridiculous actions, both in public and in your bar can be risky. We have the right coverage for your bar.

General Liability

General Liability insurance protects your bar from the expenses related to non-employee injuries that happen at your property, property damage and advertising mistakes. It covers the most common lawsuits that happen within the scope of your business activities.

Liquor Liability

Selling and serving alcoholic beverages come with risks. Patrons who drink alcohol from your premises usually get drunk to the extent that they cause injuries to others or property damage. Protect your business from potential financial losses from lawsuits or injury that is a result of a customer getting too drunk.

Commercial Auto

Commercial Auto is like your personal auto policy. The only difference is that Commercial Auto has higher coverage limits and it can protect vehicles that are specifically used for businesses. So if you have a truck that deliver supplies to and from your business, Commercial Auto will protect your business against lawsuits and provide coverage should there be an accident.

Commercial Property

Commercial Property insurance is a necessity for bars because you host a lot of people and the risk of your property getting damaged or destroyed is high. Protect your business from fire, theft and property/equipment destruction by investing in Commercial Property insurance. The insurance covers the loss of income or increase due to property damage.

Workers Compensation

Bar workers are prone to illness or injury since they deal with customers face to face most. An injured leg, foot or infectious disease can put your business to ruin in an instant. Workers' Compensation pays medical bills and rehabilitation benefits and also pays for a percentage of their lost income. Employees are then relinquished of their right to sue their employer under common law.

Equipment Breakdown

Equipment is essential for any business. When they break, your business will cripple and lose productivity that could put a huge dent in your income. Equipment breakdown covers the cost to replace or repair your equipment and the expenses incurred due to the damaged equipment.

Frequently Asked Questions

How much does it cost to insure a bar?

The average cost of bar insurance varies for every establishment. On average, the insurance policies for bar owners typically cost around $3,000 to $5,000 a year.

What is Dram Shop insurance?

Dram Shop insurance is the same as Liquor Liability insurance. Dram Shop is a term for an establishment that sells alcohol (a term coined a long time ago when alcohol was sold by the dram or 1/8 of an ounce). The coverage is purchased as a Liquor Liability and is often required to obtain a liquor license.

Do I need Liquor Insurance?

Businesses that sell or serve alcoholic beverages are required to purchase Liquor Liability. The liability arising from sale or serving alcohols is excluded from your General Liability policy.

What is an assault and battery claim and how can I insure my bar?

Assault is a threatening act, physical or verbal, causing a person to fear for life or safety. Battery is an unlawful action of force on another. Assault and battery claims are common in bars and aren't usually covered under General Liability insurance. Assault and Battery coverage is needed for your bar.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

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Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Honest and Transparent

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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Insurance for Bars, Clubs and Other Drinking Places

Get business insurance with optimized coverage to meet your exact needs

Better, Regardless of Your Size

Cheers to that: fast and simple quotes for the best businesses out there

Plans lower than your regular set of drinks

Get back to shaking cocktails in minutes

We protect your business regardless of your history