Tristate Business Insurance Blog

Restaurants, bars and taverns are no different than other business in their need for insurance coverage. However, the types of business insurance that restaurants and bars need is more comprehensive. Restaurants require business liability insurance, workers compensation, and a host of other commercial insurance needs.
 
It is important that while you invest your time and money in your business, you have the confidence that you are covered by your insurance in every scenario that can occur.

Your bar or restaurant needs comprehensive insurance that is tailored to your potential exposure and can protect you against all circumstances. From delivery drivers to liquor liability to assault and battery to property coverage TriState Business Insurance, consults with you on a wide-range of restaurant and bar-related coverage as well as the liability needs that are unique to your restaurant, bar, or tavern.

Contact us to see  how you and your business can be better protected.

The greatest risk for a bar or night club owner is the risk of a one size fits all insurance policy. As a bar or night club, there are certainly inherent risks that are unique to your industry.

Assault and battery, crime, and liquor liability are some of the risks you face. But when you stage live music, you have some even greater risks. Your insurance policy should be made for you with no excess, and no gaps, your business needs a comprehensive insurance solution that addresses your real risks.

Taverns, bars and night clubs need coverage for exposure due to live music. Contact TriState Business Insurance for the following:

• Musical instruments, entertainment equipment, sound and lighting, audio visual equipment, film and video equipment, insurance against accidental loss or damage, theft, and fire.
• Public liability for performers and bands and staff, concerts, corporate and private functions, dance parties, dance and drama schools and childrens entertainers.
• Event Cancellation, non-appearance and weather insurance.
• Personal accident insurance for entertainers, musicians and voluntary workers.

Chances are that as a bar, nightclub or pub owner, you have business insurance coverage including general liability,  property and liquor. But are you covered for all the potential exposure? What about your bouncers?

You have to admit, Virginia, Maryland and DC have some hot spots for nightlife. The nightlife business is big business. In D.C. alone patrons can pay $10 or more for a drink; bars and clubs can be big money spots, or so your patrons can believe.

When starting or running a bar or night club, there are many risks and liabilities that need to be considered very carefully.
 
Tristate Insurance has the experience to make sure your bar, pub or nightclub has the proper insurance coverage. The potential liability exposure needs to be brought down to a minimum, the potential risk needs to be controlled; there are a many consideration to take into account.
 
Contact Tristate Insurance for a consultation with one of our insurance professionals. It’s the best place to start to protect your business.

If your business deals with alcohol; manufactures, serves or sells it, you need liquor liability insurance. Liquor liability insurance is business insurance that protects your business against loss or damages as a result of claims against your business.

Most often of course, these claims are a result of an intoxicated customer of your business injuring themselves or others. Damages in these suits can be very high, and often business lack the right amount of coverage, exposing themselves to high liability. You may need this additional coverage if your business manufactures, sells, or serves alcohol.

You can buy liquor liability coverage as a separate liability policy or as an add-on to your commercial liability insurance. Keep in mind, that if you do not buy liquor liability, your standard liability coverage does not protect your business.

Rates for this insurance are based on the type of business, the location, and the business record.

While Virginia and Maryland are two of the few states that do not operate with Dram Shop Laws, your business, if it serves alcohol should have liquor liability.  DC does have Dram Shop Liability, and if your business serves alcohol, Liquor Liability insurance is a must.

Business owners must protect themselves with business liability insurance, workers compensation, and a host of other commercial insurance needs. Restaurants, bars and taverns are no different in that they need protection; however the types of insurance they need is much more comprehensive.

You invest your time, money and effort toward running your restaurant or your bar, so you should operate with confidence that your bar or restaurant insurance is comprehensive and ready to protect you against even the most unlikely of circumstances.

At TriState Business Insurance, we consult you on the wide-range of restaurant and bar-related coverage that applies universally across the hospitality industry as well as the liability needs that are unique to your restaurant, bar, or tavern.

However, with bars, pubs and taverns the needs are different. Like many industries, coverage for your business is tailored to your potential exposure. TriState specializes in providing the right protection for bar and tavern owners. We understand that your insurance risks and needs are much different than any other industry.

One of our specialties is restaurant, bar and tavern liability. Contact us to see  how you and your business can be better protected.