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Bar Insurance and Liquor Liability

- Wednesday, March 27, 2013

If you own a bar or nightclub, there are inherent risks to serving alcohol. As the business owner, you need to be aware of these risks and insured to protect your business against these risks. A successful law suit against a bar or nightclub can result in claims well into the 10’s of thousands of dollars. This kind of law suit can put a bar out of business without the proper liability insurance coverage.

Bar or nightclub insurance can cover your loss and save your business in the unfortunate case of a law suit from either a guest or employee. Most bar and nightclub insurance claims are for assault and battery, upwards of 60%. These can be fights between customers, between employees, or between customers and employees.

Dram Shop, or liquor liability insurance protects you from law suits claiming that your business over-served an intoxicated person, or that your business served a minor. Your business can also be held responsible for serving alcohol to a person who later hurts someone else even if it is not on your premises.

When you are looking into bar business insurance, find an insurance broker who will custom create an insurance policy that is right for your business. However, you should consider umbrella insurance to add coverage to general liability, property liability, liquor liability, assault and battery, workers compensation/ accidental injury and comprehensive coverage.

For more information on bar and night club insurance or liquor liability, contact TriState Business Insurance.