Insurance for Bars, Clubs and Other Drinking Places
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What Insurance Do Bars, Clubs and Other Drinking Places Need?
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.
Equipment Breakdown Insurance protects your equipment from breakdowns caused by motor burnout, power surges, boiler malfunction, and operating error. It covers you for the costs to replace or repair your damaged equipment, and other related expenses.
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Liquor Liability Insurance protects a small business that manufactures, sells or serves alcohol. Small business owners are protected from claims that occur when a customer drinks too much and injures himself or someone else.
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.