We get it - you’ve worked hard to start up your bar.
You’ve built your bar into being a community staple. You provide a place for pals to hang out and grab a drink, and you enjoy watching your customers as they get to relax and have a good time. You know that plenty of risks come along with running your bar, though, what with juggling your patrons, the food you serve, and, of course, the alcohol. There’s enough that goes into running a tavern, and we know that you already have lots on your mind. That’s why we want to make insurance as easy as possible - so you can get the coverage you need and go back to managing your bar.
We don’t want the business risks of a bar to weigh you down.
We can help you create an insurance plan that will protect you from the liability and property risks that come along with owning a bar, tavern, or pub. Getting the right coverage is essential to protect your restaurant from a major lawsuit that could be enough to make you close your doors. But not to fear - that’s what we want to help you prevent! We know that every bar is different and that you face your own risks, so we’ll help you develop a tailored insurance plan.
Some of the coverages you might need for your bar are:
General liability insurance protects you from allegations that your business caused someone bodily harm or damaged their property.
What if one of your patrons trips and falls into a sharp-edged table and needs stitches? GL would cover you.
Property insurance will protect the building itself from losses such as fire or lightning.
So, if you had a kitchen fire, your property insurance would help you repair your bar.
Liquor liability is what will protect you for claims that your business caused someone harm by serving alcohol. Since drinking is kind of a part of the bar experience, this is essential.
If one of your patrons leaves your bar after a bit too much to drink and gets into a car accident, you could be found liable.
Workers’ compensation will protect your employees if they get hurt or sick because of their job. It provides medical payments and reimburses your employee for a portion of the wages that they lose while they’re unable to work.
This would help your employee if they were to drop a tray of drinks and cut themselves on the glass.
Business interruption insurance will help your business stay afloat if you face a disaster.
What if that fire we brought up earlier hits? Business interruption insurance would reimburse you for the income that you lose while you’re repairing your facility.
Umbrella insurance is basically extra liability insurance that sits on top of your other policies.
If you have a claim that goes above the limit on another one of your policies, your umbrella insurance will pick up where the other limit left off. So, for a GL claim of $1.5 million, your GL would cover up to its limit of $1 million (assuming your limit is $1 million.) The umbrella coverage would take care of the remaining $500,000.
Insurance for your bar might be the last thing on your mind, but that’s okay
With the right insurance plan, you can protect the business that you’ve worked so hard to build. You can go back to managing your bar and making sure that your patrons are getting great food, great service, and a great atmosphere. We know that you’ve got a lot on your mind, and you’ve got some pretty big risks. We can help you manage your risks. Let us here at InsuranceHub be your trusted insurance advisor and partner. All it takes is filling out our quote form or giving us a call today!