Operating a bar presents numerous challenges, including legal liabilities and safety risks. The service of alcohol may increase the likelihood of incidents, which may range from customer injuries on the premises to property damage both inside and outside the establishment. At Tabak Insurance, we specialize in liquor liability insurance, and our policies are tailored to meet your unique operational needs. Here are some of the different types of bar insurance that can help protect your business from unexpected risks:
Liquor Liability Coverage
Liquor liability insurance is a type of coverage that protects establishments that serve alcohol from potential legal and financial risks. It is often used in states with dram shop laws. Under these laws, bars can be held legally responsible if they serve alcohol to a person who is already intoxicated and they cause property damage or injury.
This type of insurance may cover legal defense costs, court judgments, and medical bills. If an intoxicated customer leaves your bar and causes a drunk driving accident, you can be named in a lawsuit. If your establishment offers bartending for private events, you may be required to have liquor liability coverage as well. This type of insurance helps protect your establishment from claims that can arise from serving alcohol.
General Liability Insurance
Bars are typically high-traffic environments, and accidents can occur. These may include falls or incidents involving intoxicated customers. General liability insurance protects from claims of property damage and bodily injury. It protects your establishment from claims that happen on your premises and that are not directly related to alcohol service.
A customer can fall on a wet floor, which means your bar may face medical expenses resulting from their injury. If one of your employees damages a customer’s property, your business may be held liable for the repair costs. This coverage helps cover these incidents by paying for legal defense and settlements. Having general liability insurance helps your bar remain operational without financial setbacks due to accidents. At Tabak Insurance, we offer tailored general liability insurance policies specifically for bars and help your business stay protected from risks that arise in your daily operations.
Workers Compensation Insurance
- Covers medical bills for employees who are hurt while working (e.g., behind the bar, in the kitchen, or elsewhere on the premises)
- Provides wage replacement if an employee cannot work due to a job-related injury
- Helps protect your business from injury-related claims and lawsuits
- Often required by law, depending on your state and the number of employees
- Supports employee well-being and shows a commitment to workplace safety
Explore Liquor Liability Insurance Today
Bars are often exposed to unique risks, and getting the right coverage can help protect your business from financial losses. Liquor liability insurance provides financial protection against legal claims related to the sale and service of alcohol. At Tabak Insurance, our personalized coverage options are specifically designed to address the challenges bars face. These challenges can be an intoxicated patron causing an accident and allegations of improper service. Contact Tabak Insurance today to explore our coverage options and find the right protection for your establishment.
