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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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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
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.
BEST FOR
- Third-party bodily injuries
- Damaged business property
- Power outage that causes spoilage
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.
BEST FOR
- Employee medical expenses
- Missed wages
- Legal costs
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.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
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.
BEST FOR
- Injuries caused to another person
- Property damage caused by your vehicle
- Vehicle vandalism and other physical damage
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.
BEST FOR
- Injuries caused by intoxicated patrons
- Property damage caused by intoxicated patrons
- Legal defense costs
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.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does bar insurance cost?
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
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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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