Bars & Taverns

Some common and critical types of insurance available include:

• General Liability – This is the policy that protects you in the event someone slips and falls in your restaurant, gets sick after eating there (whether it was your fault or not). This is a must have in today’s sometime sue-happy world.
• Liquor Liability – Most states require that any establishment holding a liquor license carry liquor liability as part of their insurance. It helps protect you if a customer has too much to drink and drives and hurts themselves or someone else.
• Property Insurance – Protects your property in case of fire or other events. If you have any kind of mortgage on your business and/or equipment, then you should carry a property insurance policy.
• Business Interruption Coverage – If you lose sales through a specific cause, this type of policy can recoup some of the income. Keep in mind the premiums and deductible may make you break even, depending on how much you lose.