Liquor Liability Protection
Critical liquor liability coverage for bars and establishments serving alcohol, protecting against claims related to intoxicated patrons and alcohol service.
Assault & Battery Coverage
Specialized protection for violent incidents that can occur in bar environments, covering both legal defense and damages from altercations.
Food Spoilage & Equipment
Coverage for food spoilage and equipment breakdown protecting your kitchen operations, refrigeration systems, and valuable bar equipment.
Simplified 3-Page Policy
Comprehensive coverage with less complexity - easy to understand 3-page policy format with Employment Practices Liability included.
Why Bars Need Specialized Coverage
Standard business insurance excludes alcohol-related risks and lacks the specialized protections that bars, taverns, and establishments with alcohol service require.
Basic Business Insurance
- No liquor liability coverage
- Alcohol service exclusions
- No assault & battery protection
- Limited food spoilage coverage
- Basic equipment breakdown
- Complex policy language
Our Bar & Tavern Coverage
- Comprehensive liquor liability
- Alcohol service fully covered
- Assault & battery protection
- Food spoilage included
- Equipment breakdown coverage
- Simplified 3-page policy format
Bar & Tavern Insurance Complete Guide
What is Bar & Tavern Insurance?
Bar and tavern insurance provides specialized coverage for establishments serving alcohol, including critical liquor liability protection, assault and battery coverage, and industry-specific enhancements that address the unique risks of alcohol service businesses.
Why Do Bars Need Specialized Coverage?
- Liquor Liability: Legal responsibility for damages caused by intoxicated patrons after leaving your establishment
- Assault & Battery: Violence and altercations are more common in establishments serving alcohol
- Dram Shop Laws: State laws holding establishments liable for serving alcohol to visibly intoxicated persons
- Food Service Risks: Many bars serve food, creating additional liability exposure
- Equipment Risks: Specialized bar equipment, refrigeration, and kitchen systems need protection
Who Needs Bar & Tavern Insurance?
- Bars & Taverns: Establishments primarily focused on alcohol service
- Restaurants with Bars: Dining establishments that serve alcoholic beverages
- Nightclubs: Entertainment venues with alcohol service and dancing
- Sports Bars: Bars focused on sports viewing and entertainment
- Breweries & Taprooms: Craft breweries with on-site alcohol service
- Wine Bars: Establishments specializing in wine service
Coverage Features and Limits
Our bar and tavern coverage includes $1M/$3M Business Liability limits with umbrella coverage available. The policy includes comprehensive liquor liability protection, assault and battery coverage, food spoilage protection, equipment breakdown coverage, and Employment Practices Liability Insurance (EPLI).
Berkshire Hathaway Backing
Our coverage is backed by Berkshire Hathaway, providing exceptional financial stability and claims-paying ability. This ensures your bar or tavern has reliable protection when you need it most, with industry-leading financial strength behind your policy.
Simplified Policy Format
Unlike complex traditional policies, our bar and tavern coverage uses a simplified 3-page policy format that's easy to understand while providing comprehensive protection. This streamlined approach reduces confusion while ensuring complete coverage for your alcohol service business.
Geographic Coverage
Currently available in 24 states with ongoing expansion. Our specialized focus on alcohol service establishments allows us to understand local dram shop laws and regulations while providing consistent, comprehensive protection.