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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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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.

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?

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

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