Business Insurance for Bars

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A few freshly made cocktails.

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.

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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.

  • 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.

  • Employee medical expenses
  • Missed wages
  • Legal costs
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.

  • Injuries caused by intoxicated patrons
  • Property damage caused by intoxicated patrons
  • Legal defense 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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Looking for different coverage? See more policies.

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
"Really fantastic service and follow-up. Didn't feel pressured, felt like they were interested in my business."
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Customer since 2016
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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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