Published On: May 31, 2024

If you run a bar or tavern, you need insurance that protects your property, workers, and business from alcohol-related claims, accidents, and property damage. Several of these insurance types may be required by state law. Tabak Insurance specializes in insurance for bars and can customize your policy to meet local and state regulations. Here are some of the coverage types you should purchase for your bar:

General Liability Insurance

One type of insurance for bars that Tabak Insurance offers is general liability insurance, which is often required by law. General liability insurance is a basic insurance policy for business owners using commercial property. It protects your business from third-party lawsuits relating to injuries, reputational damages, property damages, and more. A general liability policy can cover the medical bills for a customer who slips and falls on a spilled drink. It also helps cover legal fees and property damage repairs. With our risk exposure experience, we can provide you with a policy that includes the coverage your bar needs. 

Workers’ Compensation Insurance

If one of your employees, such as a bartender or a server, experiences an injury on the job, workers’ compensation provides them with financial assistance to cover medical expenses. Workers’ compensation insurance protects your business from personal injury lawsuits, as workers can receive payment without proving fault. It also gives the worker disability pay, which is dependent on the policy and state law. Each state has its own workers’ compensation laws, so review them before purchasing coverage. Tabak Insurance provides workers’ compensation insurance policies to protect your workers and business.

Liquor Liability Insurance

State laws often require bar or tavern owners to have liquor liability insurance. Liquor liability insurance protects bars when damages are caused by intoxicated individuals who were served at the bar. Under state dram laws, businesses that serve alcohol to people who are visibly intoxicated are held liable, even for damages that the individuals caused after they left the building. Liquor liability insurance covers alcohol-related claims such as drunk driving, fights, and sexual harassment and abuse. It covers damage to others’ property and can help with victims’ medical expenses and settlement payouts. We offer affordable liquor liability insurance plans to protect your business from alcohol-related claims. 

Commercial Property Insurance 

Commercial property insurance covers damages and losses to your building, property, and inventory. It also covers lost income if you have to close your bar for repairs. Depending on the policy, property insurance coverage includes fires, natural disasters, theft, vandalism, or equipment breakdowns. It can also cover spoilage for perishable items due to a power outage. Tabak Insurance provides both named perils coverage and open perils coverage for commercial property. Named perils coverage protects you against specified events, while open perils covers events that weren’t specified before purchase. Our insurance experts will advise you on which policy type would be best for your business, depending on its risk exposure.

Explore Insurance for Bars 

Our team provides bar insurance in a specialized, comprehensive Business Owners Policy for bar, pub, or tavern owners. Tabak Insurance customizes these policies according to your bar’s needs and budget. During our individualized business evaluation, we perform an accurate risk assessment to build your unique policy. Call us today to speak to one of our experts about bar insurance, or fill out our online questionnaire to receive a quote. 

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