Insurance for Bars, Clubs and Other Drinking Places

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.

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 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 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.

Bar workers are prone to illness or injury since they deal with customers face to face. 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 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.