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Raise a glass to bar insurance - keep your business secure!

output: Are you looking for bar insurance? Coverage Cowboy’s comprehensive bar insurance provides you with the protection you need to keep your drink pouring. Whether you own a brewpub, tavern, or nightclub, you can get coverage for liquor liability, property damage, and more.

We’ll help you customize a policy tailored to your business’s unique needs, so you can pour up peace of mind knowing that you’re covered.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Bar businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is essential for bars to protect against liability claims from customers. It covers accidents such as a customer slipping and falling on the premises, as well as legal costs if you are held responsible for damaging property that doesn’t belong to you. It also offers financial protection if someone gets hurt and you are held liable for medical bills.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is key for bars that transport employees or products. It provides coverage for any vehicles used for business purposes, such as a van used to make beer deliveries. It will cover the cost of damages or theft, as well as any legal or medical bills that may arise in the event of an accident.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance provides financial protection for bar owners and employees in the event of an on-the-job injury or illness. It covers medical expenses and lost wages for the employee and liability for the employer, protecting them from lawsuits and other financial losses. This type of insurance is especially important for bars, as the potential for slips, trips, and falls is high.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance for bars is important for protecting the physical assets of the business. It covers damage to the building, equipment, furniture, and inventory from fire, theft, vandalism, and other disasters. It also provides coverage for lost income if the business has to close due to a covered event, which is especially important for bars that own their building.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Bar business insurance

How does business insurance protect me?
As a bar owner, you face a variety of risks. Business insurance can help protect you from financial losses related to:
Liquor liability
One of your patrons becomes heavily intoxicated and causes a car accident on the way home. You could be held liable for the damages or injuries caused by the drunk driver. Liquor liability insurance can help protect your business from financial loss due to these types of situations.
Property damage
A fire breaks out in your bar and causes significant damage to the building and contents inside. Commercial property insurance can help pay for repairs or replacement of damaged property.
General liability
A customer slips and falls on a wet floor in your bar. Your general liability insurance can help pay for medical costs and legal fees if you\u2019re sued.
Employee injuries
One of your bartenders slips on a wet floor and injures their back. Workers\u2019 compensation insurance can help pay for medical bills and lost wages for an injured employee.
Employee theft or dishonesty
Your bartender steals money from the cash register. Crime insurance can help protect your business from financial loss due to employee theft or dishonesty.
Business interruption
A major storm hits your town and forces your bar to close for several days. Business interruption insurance can help pay for lost income and other expenses associated with the closure.
It\u2019s important to make sure you have the right mix of coverage to protect your bar from risks that are unique to your business.
What do I need to get an insurance quote?

Great news – getting a restaurant and bar insurance quote is a breeze! To start, you’ll need a few essential details about your establishment:

  1. Business name and contact information
  2. Location and square footage of your establishment
  3. Type of restaurant or bar (e.g., sports bar, fine dining)
  4. Estimated annual revenue and payroll
  5. Number of employees
  6. List of your key assets (e.g., kitchen equipment, furniture)

With this information handy, you’re all set to request a tailored insurance quote for your restaurant or bar. Our team is here to help you find the best coverage at the right price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.