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’re sued. Employee injuries One of your bartenders slips on a wet floor and injures their back. Workers’ 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’s important to make sure you have the right mix of coverage to protect your bar from risks that are unique to your business.
Great news – getting a restaurant and bar insurance quote is a breeze! To start, you’ll need a few essential details about your establishment:
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!
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!
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.