Insurance for Bars, Taverns, & Nightclubs

Protect your business with bar or nightclub insurance from XINSURANCE.
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As a bar owner, you have enough to worry about when running a business.

Don’t let an uninsured incident or lawsuit be another thing to worry about.

Invest in better protection for your business. XINSURANCE is your solution for specialty business insurance solutions tailored to your unique needs.

Peace of Mind For Your Bar or Nightclub

Alcohol can make everything more unpredictable. You may face countless unforeseen risk scenarios — from serving a minor with a fake ID, having a customer slip and fall, or serving someone who drives intoxicated 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, and face devastating financial impact.

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.

Types of Business We Can Help

  • Bars
  • Nightclubs
  • Pubs & Taverns
  • Cocktail Lounges
  • Restaurants with Alcohol Sales
  • Bars that Serve Food
  • Beach Bars
  • Ice Bars
  • Wine Bars
  • Live Music Bars
  • Specialty Bars
  • And More
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Coverage Options For Your Bar's Insurance Policy

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Liquor Liability

This coverage can protect you in circumstances involving alcohol, such as over-serving a customer who becomes involved in an accident or incident. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you and your employees regarding assault and/or battery. For example, this can protect you if a fight breaks out in your bar and you’re accused of not providing a safe environment for customers.

Product Liability

Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage, such as a customer falling ill due to consuming food your bar served them. Learn more.

Garage-Keepers Liability

This insurance will provide coverage for damage done to your customers’ vehicles while under the care
of valet staff.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on the bar’s property. Learn more.

Special Events

Covers bodily injury to a guest and property damage to the bar for private and public events. Learn more.

Amusement Devices & Entertainment

This insurance protects against injuries caused by mechanical bulls, axe throwing, darts, and other devices or attractions within an establishment.


Pyrotechnics insurance offers coverage for injuries and damage caused by items such as fireworks, flash pots, and smoke pots.

Alleged Sexual Abuse & Molestation Liability

Coverage for claims against you and your employees regarding assault and/or battery.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Firearms Liability*

If your bar or establishment has armed security guards, this can provide coverage for concealed carry, accidental discharge, self-defense, and more. Learn more.

*Available in most states

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Want to Bundle This Coverage with More?


Our TRU Umbrella plan allows you to consolidate your coverage needs into one, fully custom plan. Enhance your protection and fill the gaps with XINSURANCE TRU Umbrella.
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FAQ about Bar Insurance & Nightclub Insurance

Why Choose Us As A Trusted Insurance Partner?

Along with providing TRU 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.

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

What Are Dram Shop Laws?

Dram shop laws are state statutes that impose liability on sellers of alcoholic beverages for the negligent acts of their intoxicated customers. Most, but not all, state legislature have passed some version of dram shop laws.

What Can Cause Injury in a Nightclub or Bar?

Some negligent actions that can cause injury include negligent hiring practices, inadequate supervision or security, overcrowding, inadequate lighting, the involvement of alcohol, and inadequate emergency safety protocols.

What Are The Top Lawsuits Regularly Filed Against Nightclub or Bar Owners?

In no order, the top 6 lawsuits are 1) slip and fall accidents, 2) patron disputes, 3) alcohol violations, 4) reckless guest behavior, 5) food prep/service, and 6) unforeseen or tragic events.

What Insurance Coverage Should I Have For My Bar?

The type of insurance coverage needed for your establishment will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick which coverages you want to have on your insurance policy, leaving you with true peace of mind.

Can I Be Insured if I've Been Dropped or Rejected By An Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t!

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Know the Facts

According to a study by the National Institutes of Health, 1 in 5 emergency room visits in the United States are due to injuries sustained at night clubs or bars.

It is estimated that more than 140,000 people die from alcohol-related causes annually, making alcohol the fourth-leading preventable cause of death in the United States.

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

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service