What Bar Insurance Coverages Do I Need?
Due to the high likelihood of someone getting injured in a bar, General liability coverage is essentially non-negotiable.
Along the same lines, there is a similarly high chance that your building or equipment will end up sustaining physical damage at some point. With that in mind, commercial property coverage is also usually a wise choice.
Considering the high frequency of sexual harassment and negligent hiring claims in the service industry, most bar owners should also seriously consider Employment Practices Liability (EPLI) coverage.
While every bar owner hopes they will never be sued for serving an intoxicated guest, or the damage an intoxicated patron causes to others when they leave, the likelihood of an incident occurring is rather high regardless of what precautions your staff takes.
Standard General Liability policies will not consider claims resulting from alcohol consumption. Fortunately, holding Liquor Liability coverage can help to protect your business against the many liabilities created by intoxicated patrons.
All things considered, Tomins typically recommends bar owners to consider a Commercial Package to help keep costs down. Our Bar insurance experts specialize in getting you the right coverage at the right price, letting you focus on what really matters: growing your business.
A Bar Commercial Package can be custom-tailored to include:
- Liquor Liability
- Commercial General Liability
- Commercial Property
- Important Record and Document Coverage
- Employment Practices Liability (EPLI)
- Employee Benefits Liability Coverage
- Workers Compensation Insurance
- Business Income Insurance
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