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Restaurant / Bar Tavern

Restaurant / Bar Tavern

We have multiple A Rated carriers to choose from that are all extremely competitive in the market.

With this, we will provide the most comprehensive coverage at the most competitive rates, and superior, personalized customer service.

Call a Protection Specialist
Garett Hatch – garett@hatchinsurance.com
Ruben Hatch – ruben@hatchinsurance.com

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Restaurant / Bar Tavern

Most forms of Bar Insurance are actually a combination of four important policies:

Business Owner’s Policy – The Business Owner’s Policy (BOP) bundles together several policies, including general liability coverage and property insurance. If rowdy patrons are breaking glasses, or people are suing because they fell after having a little too much to drink, this is the policy that will help.

Loss of Business Income – Commercial property insurance covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property. It may also be extended to apply to loss suffered after completion of repairs for a specified number of days.

Liquor Liability Insurance – If you sell alcohol to someone who’s already intoxicated, you’re partly responsible for what they do, and you could be held liable for any damage they cause. That’s not our opinion; many states have written this provision into law and require bars and taverns to have liquor liability insurance before opening up for business.

Umbrella Coverage – The Business Owner’s Policy provides the main coverage for your business, but if excessive damage (or a court-ordered payment for damages, in the case of a lawsuit) is involved, umbrella coverage can reimburse you for claims that would normally be difficult or impossible to pay.

Workers’ Compensation – Finally, the last major part of bar insurance is worker’s compensation; in an industry where busy bartenders and wait staff are moving around at high speeds while dealing with customers, the chance of someone falling and getting hurt is higher than anyone would like. This form of insurance provides funds for medical care and wages if an employee gets hurt.

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