Bar Insurance

Liquor liability insurance covers you if a patron becomes intoxicated at your bar and then injures someone, causes a car accident, or damages property. Standard general liability policies exclude alcohol-related claims, so this is a separate and essential coverage for any establishment that serves alcohol. Most states, landlords, and licensing boards require it. Coverage typically starts around $1,000–$3,000 per year depending on your revenue and type of establishment.

Standard general liability often excludes assault and battery. If altercations are a realistic risk for your establishment — which they are for most bars and nightclubs — you'll want an assault-and-battery endorsement or a standalone policy. This covers your legal defense and any damages if a patron is injured in a fight at your bar. We include this in most bar insurance packages we build.

A typical bar or pub pays between $4,000 and $12,000 per year for a comprehensive package including general liability, liquor liability, property, and workers' comp. Nightclubs and high-volume establishments with late hours tend to be on the higher end. Factors include your annual revenue, alcohol sales as a percentage of total revenue, entertainment type (live music, DJs), hours of operation, and claims history. We shop multiple carriers to get you the best rate.

Requirements vary by state and municipality, but most liquor licensing boards require proof of general liability insurance and liquor liability insurance before they'll issue or renew your license. Some jurisdictions also require workers' compensation and commercial property coverage. We'll review your specific state and local requirements and make sure your certificates of insurance meet every requirement — so there are no delays in getting your license approved.