Bar Insurance
In addition to offering restaurant insurance, Insurance Services Group offers professional solutions for bar, tavern and nightclub insurance. All establishments in the hospitality and nightclub industries need to have adequate insurance to stay protected. We work with your business to meet all of your needs at a price that you are comfortable with.
Whether it’s the neighborhood tavern, a martini bar or good old-fashioned brewpub, our coverage forms and pricing are the best available in Washington. Our strong network of more than 30 insurance companies allows us to find you the most competitive bar insurance premiums in the market.
In order to meet your specific needs, we will evaluate your policy in the following areas.
General Liability
Family-owned businesses are the backbone of the American economy. As a family-owned business ourselves, we understand the importance of creating a solid base for sustainable company growth. Our specialized agents will tailor a general liability program specific to your business. Here are some of the coverages that we will discuss with you:
- General Liability Occurrence $1,000,000
- General Aggregate $2,000,000
- Assault and battery at $50,000/$100,000 (higher limits available)
- Medical Payments
- Employment Liability
- Workers Comp or Stop Gap Coverage
- Hired, Non-owned or Borrowed Auto Coverage
Liquor Liability
Liquor Liability Insurance is an important component of the policy of any business serving alcoholic beverages. This coverage protects you against damages caused by patrons who consume alcohol at your establishment, and then cause injury or damages to others.
Liquor Liability is essential to prevent devastating situations in which often result in a major loss. Policy limits are commonly set at $1,000,000 and we can add additional layers depending on your situation.
Many competitors will exclude Assault and Battery under the liquor liability form. In most instances we include Assault and Battery at tiers of $50,000 and $100,000 (higher limits are also available upon request).
Property and Asset Coverage
The contents of your building and property need to be covered in case of an accident.
- Building – Cover physical loss caused by unfortunate events such as fire.
- Contents – Protect the contents of your building in the case of loss due to fire, broken pipes or other covered events.
- Business Income/Lost Income – Cover your losses due to covered events
- Equipment Breakdown – Protect your equipment against power surges, mechanical breakdown, burnout or employee error.
Peace of mind has no price. We will work with our network of insurance providers to provide you customized solutions for your bar, tavern and nightclub. Some special asset coverage options are:
- Building Glass
- Computer Equipment
- Outside Signs
- Food Spoilage
- Others
Insurance Services Group is here to help you personalize your bar, tavern and nightclub insurance policy to adequately protect you from specific industry risks. We will work to provide you only the necessary products so you don’t pay more than you need to.
If you need bar, tavern and nightclub insurance coverage right away, please call us.
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