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.
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.
These insurance policies cover the most common risks of running a bar.
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.
Most states require workers' comp for bars that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
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.
This policy covers medical bills and property damage in an accident involving your bar's vehicle. Most states require it for business-owned vehicles.
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.
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.
A small bar with a few workers will pay less for insurance than a large tavern.
Factors that affect insurance rates include:
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:
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.
Hear from customers like you who purchased small business insurance.
