Bar owners with sufficient insurance coverage can protect their property, employees, customers, and other investments from harm after an accident. At Tabak Insurance, we create customized policies to make sure your coverage matches your business needs and budget. Here are some scenarios in which bar insurance is needed:
Natural Disasters
Some unavoidable accidents, like fires, earthquakes, hurricanes, and other natural disasters, may affect the structural stability of your bar. If your bar is damaged by severe weather or other hazards, a bar insurance policy helps cover the cost of repairs and remodels. Commercial property coverage protects your business from the effects of long-term operational interruptions. This allows you to continue paying employees, replace inventory, repair equipment, and reconstruct the building. If a natural disaster has impacted your business in the past, Tabak Insurance will create a customized policy to prevent financial setbacks caused by similar hazards in the future.
Intoxicated Customers
If a customer is overserved, becomes intoxicated, and causes harm to people or property, your bar may be held responsible. This includes customers who start fights with other patrons and overserved individuals who leave the premises and cause physical damage to cars, buildings, and people. In these cases, liquor liability insurance will provide compensation to businesses and individuals affected by the intoxicated individual. This compensation may cover medical bills, legal fees, and cash settlements. Tabak Insurance offers liquor liability coverage in insurance packages like our bar, nightclub, and restaurant policies.
Employee Injuries
Workers’ compensation policies are beneficial when an employee gets injured while working in your bar. Accidents that may happen in a bar environment include slips and falls, cuts from broken glass, or harm from malfunctioning equipment. This coverage provides compensation for medical treatment, future care, and lost wages. Purchasing a workers’ compensation policy shows your workforce that you value their health and well-being. If you want to renew your policy, our team will make sure all owners and employees are included in your new coverage.
Vandalism
If your bar experiences vandalism or theft, a commercial property policy will cover the costs of repairing the damage and replacing furniture and equipment. Suitable coverage prevents your business from facing bankruptcy after replacing damaged or stolen goods. Tabak Insurance will assess any claims of criminal activity within your business or on your property to provide you with the appropriate compensation. We help you gain access to funds to repair broken windows, replace barstools and glasses, and restore stolen funds.
Customize Your Bar Insurance Policy
At Tabak Insurance, we offer individual and packaged policies to help you find the coverage you need. This helps you minimize your monthly premiums by cutting out coverage you don’t need while still protecting your valuable assets. Fill out our online form explaining your insurance needs, business type, and contact information to receive a free quote. Our team will use this information to assess your business, determine potential risks, and create a correlating policy. Contact us today to get a quote and learn more about our coverage options for your bar.
