Liability Insurance for Bars, Taverns, and Clubs

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Liability Insurance for Bars, Taverns, and Clubs


For Owners, Bartenders, & Bouncers

Bars, taverns, and nightclubs should all carry liability insurance. When alcohol is involved, there is no telling what might happen. You might unknowingly serve a minor with a fake ID, have a customer slip and fall, or serve someone alcohol who drives home and gets into an accident.

When any of these incidents occur, you and your business could be held accountable for any subsequent injuries or damages. The financial impact could be devastating if an injured party files a lawsuit and receives a substantial settlement or judgment.

Your insurance policy probably has fine print limitations and exclusions. However, our insurance solutions for bars, nightclubs, and taverns have an all-in-one approach providing coverage for security guards, liquor liability, alleged assault & battery, active shooter coverage, communicable disease, and much more. Protect your business with bar insurance or nightclub insurance from XINSURANCE.

liability insurance for bars taverns and nightclubs
liability insurance for bars taverns and nightclubs


XINSURANCE Offers All-in-One Liability Insurance for Bars

To ensure you, your business, and your assets are completely covered, XINSURANCE provides customized insurance for taverns that is made to fit your needs. We offer comprehensive coverage that will minimize your exposure when an accident or incident occurs. You’ll have true peace of mind knowing that you’re partnering with an experienced provider that protects your interests. No risk is too big or small for us — we offer liability policies with limits up to $20 million through our reinsurance partners.

Examples of the establishments we provide liability insurance for include:

  • Bars
  • Nightclubs
  • Cocktail lounges
  • Neighborhood pubs and taverns
  • Restaurants with alcohol sales
  • Wine bars
  • Comedy clubs

What Does Liability Insurance for Bars Cover?

We’ll work with you to craft a tailored liability insurance plan that can include the following coverage types:

  • Commercial general liability: This insurance offers broad liability protection to cover injuries and property damage sustained by third parties on premises due to owner negligence. If a patron trips over an obstruction in the parking lot and breaks their arm, general liability will provide the appropriate coverage.
  • Liquor liability: General liability coverage typically does not apply to incidents involving intoxicated patrons at an establishment. For these situations, you’ll need liquor liability insurance, also known as dram shop insurance. This coverage will protect you in circumstances involving alcohol. If you accidentally serve someone too much and they are involved in an accident while driving home, you can rely on liquor liability insurance.
  • Assault and battery: This coverage will protect you if a fight breaks out in your bar and you’re accused of not providing a safe enough environment for your patrons.
  • Product liability: Does your bar serve food? This insurance will cover you if a patron becomes ill after consuming improperly cooked or “tainted” consumables at your establishment.
  • Garage-keepers liability: If you offer valet service at your bar or nightclub, this insurance will provide coverage for damage done to your patrons’ vehicles while they’re under the care of your staff.
  • Property coverage: Commercial property insurance will protect your business in the case of damage to the physical property you own, such as buildings and equipment.
  • Premises liability: This insurance will protect you against liability claims filed by third parties resulting from injuries and/or property damage incurred on your property. A slip-and-fall incident is a common example.
  • Active shooter: These plans will cover your liability exposure resulting from a shooting incident on your property.
  • Special events: If you allow or host parties or other events at your bar, this insurance will provide necessary liability coverage for injuries and property damage sustained by guests.
  • Amusement devices: This insurance protects against injuries caused by mechanical bulls and similar devices within an establishment.
  • Pyrotechnics: Pyrotechnics insurance offers coverage for injuries and damage caused by items such as fireworks, flash pots, and smoke pots.
  • Alleged sexual abuse and molestation: This insurance covers allegations of sexual misconduct made against you or your employees.
  • Communicable disease coverage: Communicable disease coverage is an optional policy enhancement that protects against allegations of negligence resulting from exposure to pandemic diseases or pathogens.

Please note that XINSURANCE does not offer workers’ compensation insurance for bars.

We'll Be Your Trusted Liability Insurance Partner

Along with providing True Umbrella coverage that protects both business and personal assets, XINSURANCE stands behind every policy with exceptional service. We’ll review your current plan to find any exclusions or gaps that increase your exposure and make recommendations to fill those gaps. If the time comes to file a claim, we’ll manage the entire process every step of the way. We can even assist you with old claims opened under other policies.

You’ll also discover that getting coverage is fast and easy with XINSURANCE. Our streamlined process involves filling out and submitting our online application, followed by a phone call with our underwriters to discuss your risk in more detail.

Contact Us to Learn More About Liability Insurance for Bars

Run your business safely and without any worry with customized bar insurance coverage. To start the quote process and obtain more information about our liability insurance for bars, complete the form above. If you have any questions and would like to speak to a representative, give us a call at 877-585-2853.




insurance for bars, taverns, and clubs

Approximately 31.21 million people bought wine or beer in a bar or nightclub.

insurance for bars, taverns, and clubs

100,000 persons die each year from alcohol-related causes.

insurance for bars, taverns, and clubs

696,000 students between the ages of 18 and 24 are assaulted by another student who has been drinking.

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