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

  • Plans lower than your regular set of drinks

  • Get back to shaking cocktails in minutes

  • We protect your business regardless of your history

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
59
Month
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Includes:

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

STANDARD

When you also serve alcohol


Business Owners Policy (BOP) + Liquor Liability

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All Basic plan benefits and:

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

PRO

Get protected against employment-related issues


BOP + Liquor Liability + Workers Compensation*

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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

CUSTOM

When you have specific requirements


Including Commercial Auto, Equipment Breakdown, Health Insurance etc.

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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.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Get a free quote, all you need to enter is your zip code to get started.

Or call (646) 844--9933 anytime.

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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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5 stars service

John White, Restaurant Owner

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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Quick and Easy!

5 stars service

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.

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Honest and Transparent

5 stars service

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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State of the Art Technology

We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

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