Business Insurance for Bars

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Serving drinks is risky. At your bar, you could be held liable for the actions of an intoxicated customer. That’s why liquor liability insurance is such an important investment, alongside basic protection like workers’ comp.

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One application, multiple quotes

Insureon helps bars compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do bars need?

These policies provide coverage for the most common risks of running a bar.

Business owner’s policy icon

Business owner’s policy

This policy bundles property insurance and general liability insurance in one plan. It’s a popular policy for bars, and often one of the most economical options.

  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for bars that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Missed wages
  • Legal costs
General liability insurance icon

General liability insurance

This policy covers common risks, including customer injuries at your bar, customer property damage, and advertising injuries. It’s required for most commercial leases.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers medical bills and property damage in an accident involving your bar's vehicle. It also covers vehicle theft and vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vehicle repairs due to vandalism or weather
Liquor liability insurance icon

Liquor liability insurance

This policy covers legal fees, settlements, and medical costs if alcohol is served or sold at a bar to a visibly intoxicated person who then harms others.

  • Injuries caused by intoxicated patrons
  • Property damage caused by intoxicated patrons
  • Legal defense costs
Looking for different coverage? See more policies.

Why do bars need insurance?

Bars take on risks every time a drink is served. Business insurance provides financial protection against events that could devastate your small bar, such as customer injuries and property damage. It's also required. At a minimum, you likely need liquor liability insurance, workers' comp, and general liability insurance to comply with state regulations and the terms of a commercial lease.

Does business insurance protect bars against losses related to the coronavirus (COVID-19?)

Most business insurance policies exclude communicable disease coverage. Even if your bar has business interruption insurance, the disruption must usually be tied to a commercial property / business owner's policy claim to apply.

If you think your bar might be eligible for a claim, contact your insurance company's claims department. Read more about business insurance and the coronavirus.

How much does business insurance cost for bars?

Owner of a food and beverage business calculating costs.

Several factors will have an impact on bar insurance costs, including:

  • Bar equipment and property
  • Dining services offered
  • Revenue
  • Location
  • Number of employees
View Costs
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