FAQ

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When Is Liquor Liability Insurance Beneficial for Business Owners?

Whether you own a bar, restaurant, nightclub, or catering business, if you serve alcohol, you need to purchase liquor liability insurance. This coverage will protect your assets if a patron becomes overly intoxicated and damages property or causes harm to another person. Medical fees, equipment repairs, and settlement payouts can be costly, but with the help of liquor liability insurance, business owners can continue their everyday operations.

What Should I Look for When Purchasing Bar Insurance?

Bar insurance protects business owners from several different kinds of liabilities. Bar insurance can include general liability insurance, liquor liability insurance, workers’ compensation insurance, and more. When you want to purchase an insurance package for your bar, verify that the coverage is comprehensive enough to meet your needs and protect against various damages. Because bars serve alcohol and other food items to patrons, they need unique insurance packages to fully cover fees in the event of an accident.

Are Bars the Only Businesses That Use Bar Insurance?

No, bars are not the only type of business that can benefit from bar insurance. Restaurants, lounges, clubs, and similar establishments can implement this type of insurance coverage to protect against similar risks that bars face. Overly intoxicated patrons, employee damage, and property theft are all covered by comprehensive bar insurance.

How Do I Know If My Restaurant Needs Insurance?

Restaurants are legally required to provide some forms of restaurant insurance, including workers’ compensation, which protects employees from injury while on the job. Some states also require business owners to purchase liquor liability insurance if they sell or handle alcohol in their restaurants. Other policies are not mandated but may be beneficial for extra protection, such as directors and officers (D&O) insurance, which protects directors and CEOs in the event that they are sued for mismanagement or neglect.

How Do I Get Started Setting Up My Restaurant Insurance Package?

When looking for restaurant insurance, work with a reliable insurance broker. They will verify that your package is tailored to meet your business’s specific needs and risks. A broker will verify that you are getting the most for your money by removing policies that do not apply to your bar or restaurant business. Tabak Insurance has a team available to help answer any questions you have about our different insurance policies.

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