Business Insurance for Bars
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How much does insurance cost for bars?

The cost of bar insurance depends on the policies you choose, the unique risks your bar faces, the value of your business equipment, and other factors. Cost estimates are sourced from policies purchased by Insureon customers.

Business owner’s policy icon

Business owner’s policy costs for bars

Bar owners typically pay about $270 per month for a business owner’s policy, or a median annual premium of $3,260. The median value eliminates high and low outliers, providing better representation of typical bar insurance costs than the average value.

A BOP bundles general liability insurance with property insurance, usually at a discounted rate. This policy often includes business interruption insurance.

Pricing is determined by your bar’s location, operations, and value of business property. Bars with high-value equipment and furnishings tend to pay higher premiums. Not all bars qualify for a business owner’s policy. Check with your Insureon agent to find out if your bar is eligible.

Median cost per year: $3,260
Policy limit: $1 million per occurrence
Policy deductible: $1,000

Learn more about business owner’s policy.

Workers’ compensation insurance icon

Workers’ compensation costs for bars

The median cost of workers’ compensation for a bar is about $185 per month, or $2,215 annually. The cost of a policy varies significantly depending on your state and business operations.

Workers’ compensation insurance is required in almost every state for bars with employees. This coverage helps pay medical fees and lost wages for employees who are injured on the job. Most policies include employer’s liability insurance, which protects bar owners against lawsuits related to workplace injuries.

Learn more about workers’ compensation insurance.

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Liquor liability insurance icon

Liquor liability insurance costs for bars

The median cost of liquor liability insurance for a bar is about $170 per month, or $2,060 annually. This type of insurance protects bars from liability for the actions of intoxicated customers. In some jurisdictions, your bar might need liquor liability insurance in order to obtain a liquor license.

Median cost per year: $2,060
Generic policy limit: $2 million

Learn more about liquor liability insurance.

General liability insurance icon

General liability insurance costs for bars

Bars pay a median premium of about $135 per month, or $1,615 annually, for general liability insurance. This policy protects bars against customer injuries and customer property damage, along with advertising injuries.

Insureon’s licensed agents typically recommend purchasing a business owner’s policy, which bundles general liability insurance with commercial property insurance at a discounted rate. A BOP protects your own business property along with covering common business risks.

Median cost per year: $1,615
Policy limit: $1 million per occurrence
Policy deductible: None

Learn more about general liability insurance.

Get free quotes and compare policies with Insureon

Insureon’s licensed agents work with leading U.S. carriers to find coverage that fits your bar. Apply today to compare multiple quotes with one free online application. If you decide to purchase a policy, you’ll work with an account manager who specializes in the unique business risks of bars.

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