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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
Includes:
STANDARD
When you also serve alcohol
All Basic plan benefits and:
PRO
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
CUSTOM
When you have specific requirements
ALREADY INSURED?
We will take care of the switching hassle.
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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. There are many legal issues that come with serving alcohol to an already intoxicated client, like the potential lawsuits and damages that would be assigned to you after that customer’s actions, both in public and in your bar. Because of this, we have the right coverage for your bar.
On average, an insurance package for bar owners typically costs around $3,000 to $5,000 a year. The cost can vary widely depending on the size of the establishment, its location, and the hours of operation.
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.
Businesses that sell or serve alcoholic beverages are required to purchase Liquor Liability. The liability arising from sale or serving alcohol is excluded from your General Liability policy.
Assault is a threatening act, physical or verbal, causing a person to fear for life or safety. A Battery is an unlawful act of force on another. Assault and battery claims are common in bars and aren't usually covered under General Liability insurance because the patron has consumed alcohol.
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