Business Insurance for Bars

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Why do bars need business insurance?

Your bar takes on risk every time a drink is served. Business insurance helps cover costs from expensive accidents, including customer injuries. It's also required. At a minimum, you likely need liquor liability insurance to serve alcohol, and general liability insurance for your commercial lease.

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Find affordable coverage

Bar owners can save money by comparing quotes from top-rated insurance companies.

Fill out Insureon's easy online application to get free quotes and expert advice from a licensed agent.

What types of insurance do bars need?

These insurance policies cover the most common risks of running a bar.

Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage at a discount. It can also cover business interruption incidents, such as a power outage at a wine bar.

  • Third-party bodily injuries
  • Damaged business property
  • Power outage that causes spoilage
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

A general liability 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
  • Product liability insurance
Commercial auto insurance icon

Commercial auto insurance

This policy covers medical bills and property damage in an accident involving your bar's vehicle. Most states require it for business-owned vehicles.

  • Injuries caused to another person
  • Property damage caused by your vehicle
  • Vehicle vandalism and other physical damage
Liquor liability insurance icon

Liquor liability insurance

This policy covers legal fees, settlements, and medical costs if alcoholic beverages are served to a visibly intoxicated person who then harms others or their property.

  • Injuries caused by intoxicated patrons
  • Property damage caused by intoxicated patrons
  • Legal defense costs
Cyber insurance icon

Cyber insurance

This policy helps bars, brew pubs, and other food service businesses recover from cyberattacks and data breaches. It's recommended for any business that stores customer information.

  • Data breach notification costs
  • Fraud monitoring services
  • Cyber extortion payments
Looking for different coverage? See more policies.

How much does bar insurance cost?

Owner of a food and beverage business calculating costs.

A small bar with a few workers will pay less for insurance than a large tavern.

Factors that affect insurance rates include:

  • Services offered, such as dining
  • Business property and equipment
  • Business revenue
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get insurance for my bar?

It's easy to get insurance for your bar, tavern, or pub if you have your business information on hand. Our insurance application will ask for basic facts, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. carriers to find insurance coverage that fits your bar, whether you work independently or hire employees.

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