Restaurant, Bar, & Tavern Insurance
Restaurant, Bar, & Tavern Insurance Information
Bars face unique risks that the right types of business insurance can help mitigate. Insurance coverage can help protect bars and their owners from expensive lawsuits related to accidents. Certain types of coverage, such as liquor liability insurance, may be required to serve alcohol legally.
Talk with the agents at Big Insurance in Emmet, Idaho, to learn more about the various types of insurance you may need for your bar.
What Types of Insurance Do Bars Need?
Your agent may recommend the following coverages:
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Commercial property insurance. This policy helps pay to repair or replace your real estate and the company’s property if it is destroyed or damaged in a covered event or lost or stolen
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Workers’ compensation. Bars with employees may be required to carry workers’ compensation insurance. This coverage helps employees pay for necessary medical care after a work-related injury or illness. It may also help cover lost wages while your employee recuperates from a covered incident.
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General liability insurance. This policy helps cover common risks, such as customer property damage, advertising injuries or customer injuries, that occur on your property. This coverage may be required for a commercially leased property.
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Commercial auto insurance. This coverage helps pay for property damage or injuries if you or your employee cause an accident while driving a company vehicle or driving for business purposes. You may also choose additional coverage to help pay for damage to the bar’s vehicles.
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Liquor liability insurance. This policy helps cover medical costs, settlements and legal fees if you or your employee serves alcohol to an already intoxicated person, and they subsequently cause an accident resulting in property damage or injuries.
Depending on your bar’s unique offerings, your agent may also recommend the following coverage:
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Product liability insurance
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Assault and battery liability insurance
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Water backup and overflow
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Mechanical breakdown coverage
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Employee dishonesty and crime coverage
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Cyber liability insurance
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Food spoilage or contamination insurance
How Much Does Bar Insurance Cost?
Your insurance premiums depend on several factors. Every bar is different, and your agent can help personalize coverage for your needs. Insurance companies may consider the following when determining your premiums:
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Your claims history
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Coverage limits
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Property value
Get Insurance for Your Bar
Get in touch with the agents at Big Insurance to get a personalized quote for bar insurance.
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