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Insurance for Bars and Clubs

As you know better than anyone, bar ownership is full of risks. 

From the unavoidable liabilities involved with serving alcohol to the higher likelihood that your establishment will see an injury or a fight, the threats that threaten your bottom line daily are considerable.

At Tomins, we understand that a bar owner already has plenty to worry about in their day-to-day. The last thing you need is something else keeping you up at night. 

You deserve an insurance partner that works as hard as you do. Tomins — mindful insurance today, successful bar tomorrow. 

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I know I need to carry General Liability. Do I Really Need Extra Coverage?

Tomins Bar insurance is created with modern bar owners in mind.

Our personally tailored approach to business insurance helps us deliver coverage that best protects each bar owner we serve at the most competitive price. From Commercial Property to Liquor Liability and everything in between, Tomins has you covered.

As an Entrepreneur, you work too hard to make your business succeed to let something like a coverage gap stand in your way.

Get your free Bar Insurance Quote from TOMINS today.

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Closeup photo of bartender pouring a light-colored cocktail from a stainless steel shaker into a highball glass

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
  • More

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How Much Does Bar Insurance Cost?

Your bar is unique.

That’s why Tomins takes the time to understand your specific operation to design a policy that’s perfect for your needs.

While it’s difficult to quote an exact price without understanding your business, we are firmly committed to offering you the best protection at the most competitive price possible.
In designing a custom Bar Insurance policy for one of our clients, we consider many factors, including, but not limited to:

  • Whether or Not a Bar Serves Food
  • Cost of Your Drinks and Specials (Did you know that some insurance companies will not insure Bars with drinks priced too low?)
  • Whether or Not a Bar has a Dance Floor and/or Live Music is Performed
  • Equipment and Other Physical Assets Stored on Property
  • Bar Location and Hours of Operation
  • Number of Employees 

If you’re ready for your free personalized Bar Insurance quote now, Tomins has you covered. Get your free quote here today.

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What Do I Need to Get an Electricians Insurance Quote?

At TOMINS, we work hard to provide the best Bar Insurance available.

To help guarantee we are delivering the best coverages for your needs at the most competitive price possible, we ask that you gather as much of the following information before applying:

  • Business address and tax ID 
  • Income for your most recently completed fiscal year 
  • Number of employees you currently employ
  • Information about other insurance you currently hold
  • Volume, nature, and storage method tenant or client data  
  • Proof of professional licensing and other relevant certifications or permits  
  • History of past claims (at least three years) 

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