Owning a bar comes with rules and regulations that help make sure you and your patrons stay safe. Comprehensive insurance for bars will protect your property, customers, staff, and yourself. Tabak Insurance provides several different types of coverage, depending on your business’s size and unique needs. Here are a few types you can choose:
General Liability Insurance
General liability insurance addresses risks that many businesses face. It includes protection for damages that result from your equipment or your employee’s actions. If a customer gets hit by a falling glass, insurance for bars will help cover the personal injury claim. This policy also protects you if you operate your bar in a rented space and a fire or other covered event damages the property.
This insurance covers third-party claims for non-alcohol-related injuries, such as burns, fractures, and other injuries sustained by customers. For injuries directly caused by intoxication, liquor liability insurance is required as an addition to this policy. General liability coverage can also include protection against lawsuits for libel or slander.
Workers’ Compensation Insurance
Many states require bars to have workers’ compensation for servers, bartenders, and other employees. If an employee slips and falls or is injured on the job in another way, this insurance helps pay for their medical bills and any additional help they might need. It may also cover accidental burns or injuries from patrons and faulty equipment. Workers’ compensation insurance can give financial assistance for hospitalizations, diagnostic tests, and physical therapy. It also includes disability payments if the employee cannot return to work for an extended period after the injury. Tabak Insurance will help you get a suitable insurance policy in place to protect your bar from potential losses and legal action.
Liquor Liability Insurance
Many states require bars to carry liquor liability insurance as protection from injuries and damages caused by intoxicated customers. This insurance may also be complemented with battery and assault insurance for extra protection. If a bar fight breaks out, any injuries sustained would be covered by this combined insurance policy. It will also cover your employees if an intoxicated customer injures them. Liquor liability insurance may apply in various situations, including the following:
- If you’re serving alcohol at an off-premises party and customers damage the property.
- If you host an event that allows customers to bring their own beer and someone is injured after becoming intoxicated.
- If customers who are visibly intoxicated leave your bar and cause an accident that injures someone.
Commercial Property Insurance
While other policies cover the injured parties, commercial property insurance covers the building, property, interruption to business hours, and inventory, depending on the cause. This may include fires, equipment breakdowns, natural disasters, food spoilage, and theft. Our team will work with you to determine your bar’s risk level and create an insurance policy that provides full coverage.
Get Insurance for Bars
If you’re preparing to open a bar or need to insure your new nightclub, contact our agents at Tabak Insurance. We will go over our insurance offerings, what they cover, and how they can benefit you. If you have any questions about specific circumstances, such as when dram laws may apply, we can help. Protect yourself and your employees by enrolling in a comprehensive insurance plan for your bar.
