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 needs

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.


Essential coverage for your Bar

Business Owners Policy (BOP)

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


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


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


When you have specific requirements

Including Commercial Auto, Equipment Breakdown, Health Insurance etc.

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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. 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.

Act Now, Get Protected Easily, Quickly and Affordably

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Or call (646) 844-9933 anytime.

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Frequently Asked Questions

How much does it cost to insure a 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.

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 alcohol 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. 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.

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.

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Honest and Transparent

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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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