Today I want to speak about Bar Insurance programs. From the small neighborhood tavern to the Nightclub or Gentleman's Club the insurance coverages for bars can vary. A good agent will explain the coverages and give you a bar insurance package that will cover you for a variety of losses. Today we will look at some of these.
Now, a bar package will vary greatly from a Restaurant Insurance package. A business owner needs to make sure the agent classifies him correctly and this is generally based on liquor sales in relation to food sales. The exception would be fine wines and that can create an exemption.
The first thing every bar owner needs is General Liability. This coverage protects you from claims for both bodily injury and property damage. The coverages in these policies are pretty standard, but there are two very important coverages; Assault & Battery coverage and Liquor Liability coverage. Every Bar Insurance package needs to include Liquor Liability and most do need some Assault & Battery coverage. Lets look at the coverages you can purchase and what they do.
Bodily Injury - If you are ever held responsible for a customers sickness, injury or disease, your general liability insurance policy would pay for; Medical care costs, Loss of services, Court-awarded compensation for deaths that result from the injury
Property Damage - If you are ever held responsible for damaging another person’s property or affects the use of their property. In such cases, your liability insurance coverage compensates for; Physical damage to the property or Loss of use of the property. It is important to note that property damage liability coverage often does not cover damage caused to client property you are working on or have in your possession. Liability doesnt act as a warranty on your work.
Products-completed Operations - If something your company manufactures or a service your company provides causes an injury, your policy would pay for any resulting legal expenses, as well as damages up to your policy's limit.
Contractual Liability - Additionally, your commercial liability insurance coverage would cover liability you might take on when you enter into various contracts.
Liquor Liability - General Liability does not cover you for Liquor Liability. This is typically excluded from coverage and needs to be added to the policy. This coverage covers you should any of your patrons have a Bodily Injury or Property Damage claim resulting for the sale and/or consumption of alcohol.
Assault & Battery - Bodily injury and medical costs sustained by a patron during a physical altercation with another patron or a bar employee while at the establishment. Assault or Battery typically means harmful or offensive contact between two or more persons, including threats, sexual assault, abuse or molestation.
If your establishment does have doormen or bouncers you do need some Assault & Battery. Make sure this is on your Bar Insurance policy as this is one of the most important coverages you can purchase. You can contact John Dziak at 800-765-8272 to speak about the different coverages or get a quote.
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