Business Insurance for Bars

Compare multiple quotes from top carriers with one application.
A few freshly made cocktails.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Save money by comparing business insurance quotes for bars

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.

Bartender with cocktail shaker and drink.
Cursor pointing on laptop screen

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.

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

Workers’ compensation insurance

Required in almost every state for bars with employees, workers’ comp can help cover medical fees and lost wages for work-related injuries and illnesses.

BEST FOR
  • 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.

BEST FOR
  • 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.

BEST FOR
  • 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.

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

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 insurance cost for bars?

Woman calculating costs in front of box of food and drink.

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
What our customers are saying
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
Custom programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Insureon customer reviews on Feefo

Why do bars need insurance?

Business insurance can help cover expensive medical bills from employee or customer injuries. It can also pay for legal fees if your bar is sued. By securing policies specific to bars, such as liquor liability insurance, you can protect yourself against everyday business risks as well as those unique to serving drinks.
Compare insurance quotes for bars
Save money by comparing insurance quotes from multiple carriers.