Restaurant, Bar and Tavern Insurance Made Easy

Get An Insurance Quote For Your Restaurant, Bar or Tavern

Bars face unique risks that the right types of business insurance can help mitigate. Insurance coverage can help protect bars and their owners from expensive lawsuits related to accidents. Certain types of coverage, such as liquor liability insurance, may be required to serve alcohol legally. 

Talk with the agents at to learn more about the various types of insurance you may need for your bar. 

What Types of Insurance Do Bars Need? 

Your agent may recommend the following coverages: 

  • Commercial property insurance. This policy helps pay to repair or replace your real estate and the company’s property if it is destroyed or damaged in a covered event or lost or stolen
  • Workers’ compensation. Bars with employees may be required to carry workmans’ compensation insurance. This coverage helps employees pay for necessary medical care after a work-related injury or illness. It may also help cover lost wages while your employee recuperates from a covered incident.
  • General liability insurance data-ada-original-font-size=”13″>. This policy helps cover common risks, such as customer property damage, advertising injuries or customer injuries, that occur on your property. This coverage may be required for a commercially leased property.
  • Commercial auto insurance. This coverage helps pay for property damage or injuries if you or your employee cause an accident while driving a company vehicle or driving for business purposes. You may also choose additional coverage to help pay for damage to the bar’s vehicles.
  • Liquor liability insurance. This policy helps cover medical costs, settlements and legal fees if you or your employee serves alcohol to an already intoxicated person, and they subsequently cause an accident resulting in property damage or injuries.

Depending on your bar’s unique offerings, your agent may also recommend the following coverage: 

  • Product liability insurance
  • Assault and battery liability insurance
  • Water backup and overflow
  • Mechanical breakdown coverage
  • Employee dishonesty and crime coverage
  • Cyber liability insurance
  • Food spoilage or contamination insurance

How Much Does Bar Insurance Cost? 

Your insurance premiums depend on several factors. Every bar is different, and your agent can help personalize coverage for your needs. Insurance companies may consider the following when determining your premiums: 

  • Your bar’s location
  • The type of bar you own
  • Your annual revenue
  • Whether you provide live entertainment
  • The amount of time you’ve been in business
  • Your claims history
  • Coverage limits
  • Property value

Frequently Asked Questions About Restaurant, Bar And Tavern Insurance


What is insurance for restaurants, bars, and taverns?

Restaurant, bar & tavern insurance is a form of insurance that covers the specific risks and liabilities associated with owning and operating a restaurant, bar, or tavern. This may include coverage for property damage, liability for injuries or accidents on the premises, and income loss resulting from a covered event.

What coverage types are included in restaurant, bar, and tavern insurance?

Restaurant, bar, and tavern insurance generally includes liability coverage, property coverage, coverage for business interruption, and liquor liability coverage. Some policies may also cover outdoor dining areas, catering services, and food trucks.

How do I determine the amount of coverage my restaurant, bar, or tavern requires?

The amount of coverage you will need your restaurant, bar, or tavern will be contingent on a variety of factors, including the size of your business, the type of food you serve, and the location of your establishment. Consult with who specializes in restaurant, bar, and tavern insurance to determine the best coverage for your needs.

What is alcohol liability insurance?

Liquor liability coverage is a type of insurance that covers the potential liability associated with serving alcoholic beverages. This can include protection for accidents or injuries resulting from a patron’s intoxication on your property.

What if I am not the owner of the establishment?

You may be held liable for accidents or injuries that occur on the premises even if you are not the owner of the restaurant, bar, or tavern. As an employee, it is essential to be aware of potential risks and to ensure that your employer has sufficient insurance coverage.

Do any insurance discounts exist for restaurants, bars, and taverns?

There are numerous insurance discounts available for restaurants, bars, and taverns, including discounts for implementing safety measures and completing an alcohol service training program. Consult with who specializes in restaurant, bar, and tavern insurance to determine if you are eligible for discounts.

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