Insurance for bars & nightlife
Alcohol, late hours and crowds make bars and clubs harder to place than most businesses, which is where specialty markets come in.
Risks worth reviewing
- Claims tied to serving alcohol
- Fights and injuries on premises
- Property damage and theft after hours
- Staff injuries
Coverage businesses like yours often review
- General liability
- Workers' compensation
- Property & equipment
- Umbrella & excess
- Specialty & E&S
- Liquor liability
- Assault and battery coverage
Common questions
Why is it hard to insure a bar?
Alcohol and late-night crowds raise liability exposure, so many standard carriers limit or avoid the class. Specialty and E&S markets often fill the gap.
Is assault and battery covered?
Many policies exclude or limit it. Whether it's included, and at what limit, is an important question to review.
General information only. Every business is different, and coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits.