Save up to 30% on your business insurance

Chill Out with Affordable Lounge Insurance

Coverage Cowboy can help you craft a customized insurance package tailored to your lounge. Whether you’re hosting a weekly karaoke night, a live music event or a weekly poker night, Coverage Cowboy has you covered.

We understand that running a lounge is no small feat – from making sure your patrons are properly served to making sure your employees are taken care of, you need the right insurance package for your lounge to make sure you’re protected.
  • 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 Lounge businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance for a lounge protects against potential claims for property damage, bodily injury, and personal and advertising injury. This type of insurance can help cover the costs of legal fees and medical bills if a customer gets injured on the premises or if your business is sued for negligence. It also covers any damage caused by products or services provided by the lounge.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is an important coverage for any lounge that transports guests or employees. It covers physical damage to the vehicle and provides liability protection if someone is injured or property is damaged in an accident. This type of insurance also covers the cost of medical bills, legal fees, and other expenses related to an accident.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance provides financial protection to businesses if an employee is injured or becomes ill while on the job. It helps cover medical expenses, lost wages, and other costs associated with the injury or illness. For lounges, this insurance is especially important as it can help to cover costs if an employee is injured while handling hazardous materials or working in an environment with high noise levels.

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 is essential for lounges to protect their physical assets. It covers damage to the building, furniture, equipment, and inventory due to fire, theft, vandalism, and other disasters. It also covers lost income if the lounge has to close due to a covered event. This type of insurance is especially important for lounges that own their building, as it can help cover the cost of repairs or rebuilding, as well as any liability claims that may arise from customers being injured on the property.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Lounge business insurance

How does business insurance protect me?
Our business insurance is designed to protect your lounge from various risks and help you save money to grow your business. Here are some ways our coverage can protect you:
Property damage
If your lounge is damaged due to a covered event like a fire, storm or vandalism, property insurance can help you pay for the repairs or replacement.
Liability claims
If someone is injured on your property or you damage someone else’s property, liability insurance can help you pay for the legal fees, settlements or judgments.
Liquor liability
If you serve alcohol at your lounge and a patron drinks too much and causes an accident, liquor liability insurance can help you pay for the legal costs and damages.
Employee injuries
If one of your employees is injured on the job, workers’ compensation can help cover their medical expenses and lost wages.
Theft or damage to your equipment
If your equipment is stolen or damaged, equipment breakdown coverage can help you pay for repairs or replacement.
Business interruption
If your lounge is forced to close due to a covered event like a fire or storm, business interruption coverage can help you pay for lost income and ongoing expenses while you’re closed.
Having business insurance can give you peace of mind and protect your lounge in case something unexpected happens.
What do I need to get an insurance quote?

Obtaining a lounge insurance quote is a snap! To start the process, gather the following information about your lounge:

  1. Business name and contact information
  2. Location and square footage of your lounge
  3. Estimated annual revenue and payroll
  4. Number of employees
  5. List of your key assets (e.g., furniture, sound system, bar equipment)
  6. Additional services offered, if any (e.g., food, live entertainment, private events)

With these details ready, you’re all set to request a customized insurance quote for your lounge. 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.