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.
These policies provide coverage for the most common risks of running a bar.
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.
Most states require workers' comp for bars that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy covers common risks, including customer injuries at your bar, customer property damage, and advertising injuries. It’s required for most commercial leases.
This policy covers medical bills and property damage in an accident involving your bar's vehicle. It also covers vehicle theft and vandalism.
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.
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.
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.