Bar & Restaurant Business Owners Policy


Coverage for your bar, restaurant, or nightclub can be packaged to include all of the coverages you need to operate your venture. A standard General Liability policy specifically excludes any and all liquor claims. Protect yourself with a package specifically designed for your operations. Packages can include: General Liability, Liquor Liability, Property Coverage, Equipment Breakdown Coverage, Crime Coverage, and EPLI. Coverage can also include assault or battery coverage for eligible risks.

Liquor Liability and Why you need it 

Did you know, employers and businesses can be held liable for employees who serve intoxicated or underaged persons? Even if your business is found not liable, defense costs alone could potentially put you out of business. Liquor claims can be quite costly as they often involve bodily injury or property damage. Do you have bouncers at your establishment to keep patrons under control? If so, they could be held liable for any injuries the patron may sustain while be escorted off of the premises. These are all great reason to make sure you have the liquor liability coverage and it covers what you need such as assault & battery.

Why package it? 

The package offers coverages specifically geared towards bars, restaurants, and nightclub operations. As said before, most General Liability policies exclude liquor liability and it can be difficult to obtain property insurance for certain bars, restaurants, and night club risks. Our packages also offer resources that are available at no additional cost to you such as: alcohol server training, human resources services, pre-employment and tenant screenings, identity theft protection, and marketing resources.