Bar Insurance | Tavern insurance | Pub Insurance

Bars are where people wind down from a long day at work, but by nature of the business it is also possible for a relaxing night out to turn dangerous. For this the business owner requires a comprehensive bar insurance coverage, that will protect both their business and their customers from any liability that where to befall the company.

Bar Property Insurance

A bar is nothing without it's drinks and furniture. DurAmerica can insure your property for either its replacement cost or at cash value to ensure that it is quickly replaced no matter what the circumstance. A few of the insurable property in our bar insurance coverage includes:

• Building

• Furniture, equipment, and supplies

• Personal property and inventory

• Computers and point of sale machines

This coverage will also cover crime insurance, to ensure that both stolen and damaged items can be quickly replaced.

Liquor Liability Insurance

The main product of a bar is alcohol, it is mandatory for each bar or tavern to have liquor liability coverage to protect them from a claim that arises from the alcohol they have sold. Our bar liability insurance can also provide general liability coverage. This package covers slip and fall, and any injury that arises on business property.

Assault & Battery Insurance

This coverage protects you in the event that a fight or altercation occurs. This altercation can be between two or more patrons or it can involve a door man or other staff members who try to break up a fight. Typically this coverage is excluded on all policies unless a assault & battery endorsement is added. We advise that all locations that sell alcohol carry this necessary coverage because chances are that at some point a fight will occur and hopefully the business is not brought into the suit that ensues.

Workers Compensation Insurance

Most states require every business that has employees to have workers compensation insurance. This protects the business from a lawsuit if any of their employees sustain an injury whilst on the job. Visit our workers compensation page for details on our comprehensive workers compensation packages.

Our bar insurance package can also include a number of different coverages to protect your business, some of which include:

• Commercial auto insurance

• Business interruption insurance

• Flood insurance

The type of coverage depends on the needs of the business. It is our goal at DurAmerica to educate our customers, and to find them the most comprehensive coverage for the best price. Whether you are opening a bar, or are seeking a better premium rate, we can provide a package that is right for you. Give us a call or fill out our online form to request a free no obligation quote for your insurance needs.