Bar Insurance for Pubs, Taverns, and Nightlife Businesses
Protect your brick-and-mortar bar or pub with customizable, top-rated coverage from Food Liability Insurance Program (FLIP).
Benefits of Bar Insurance
Get tailored coverage built for how your bar, pub, or tavern operates.
Meet Coverage Requirements
Customize your policy to meet state insurance or lease requirements seamlessly.
Protect Against Liability Claims
Bar insurance can cover customer injuries, property damage, and other incidents, so your business doesn’t have to pay out of pocket.
Enjoy Affordable, Top-Rated Coverage
Safeguard your nightlife business with competitively priced insurance backed by trusted carriers.
What Is Bar and Pub Insurance?
Bar and pub insurance is a type of restaurant insurance designed to cover brick-and-mortar bars, pubs, taverns, and other nightlife businesses from common claims. Your policy is crafted to meet your unique needs, but most bar owners opt for a combination of general, product, and liquor liability, plus commercial property insurance.
Insurance for bars can help cover claims like:
- Third-party bodily injuries (injuries caused to customers or non-employees)
- Property damage (to your own property or to others’)
- Liquor liability (claims related to your bar’s alcohol service)
- Customer injury or illness caused by the food and drinks you serve
- Workplace claims (damages caused to employees related to their employment)
- Assault and battery incidents involving your business
Insurance is a financial safety net intended to cover the costs of these claims so your business runs smoothly from opening shift to final call.
Do you serve alcohol from a trailer, truck, or booth? Food and beverage trailer insurance might be the better fit for you! We offer specialty coverage designed for mobile and non-brick-and-mortar businesses that matches how you serve.
What Kind of Insurance Does a Bar Need?
Bar insurance typically bundles liability and commercial property coverage. FLIP makes it easy to craft a custom policy with any of the following coverages, depending on what insurance types your restaurant needs.
Coverage | What It Covers | Example Claim |
Third-party bodily injury and property damage on your premises | A customer slips on a spilled drink and sues for medical bills | |
Alcohol-related bodily injury or property damage claims (often required by dram shop laws) | A patron is overserved, causes a car accident, and your bar is named in a lawsuit | |
Assault and battery | Claims related to fights or violent incidents involving patrons | A fight breaks out between customers, and one files a claim against your bar |
Illness or injury caused by products you serve (food or drinks) | A customer claims illness after consuming a contaminated beverage | |
Commercial property | Damage to your building (if owned) and contents like furniture, bar equipment, and inventory | A fire damages your bar, including kegs, taps, and refrigeration units |
Business income interruption | Lost income and ongoing expenses if you must temporarily close due to a covered loss | You shut down for repairs after a fire and lose weeks of revenue |
State-required benefits for employees injured on the job | A bartender slips behind the bar and injures their wrist | |
Limited coverage for damage to a rented bar space | Smoke damage affects the leased space after an incident | |
Equipment breakdown | Repair or replacement of equipment that fails due to mechanical or electrical issues | Your walk-in cooler breaks down, spoiling inventory |
Financial losses from data breaches or cyberattacks | A hacker steals customer payment info from your POS (point-of-sale) system | |
Employment Practices Liability Insurance (EPLI) | Claims related to employee treatment, such as wrongful termination or harassment | A former employee files a discrimination claim |
Claims of reputational or intellectual harm from marketing efforts | You post a customer photo without consent on Instagram, and they file a claim | |
Coverage for stolen or damaged movable business equipment | Portable bar equipment is stolen during an off-site event |
How Much Does Bar Business Insurance Cost?
With FLIP, business owners with establishments that serve liquor pay an average of $6,900 per year or $575 a month. The cost of restaurant insurance for brick-and-mortar bars and pubs depends on factors like:
- Your gross annual income
- Your bar/restaurant type and operations
- Your location
- Your payroll
- Your claims history
- Whether you rent or own your location
- The coverage limits you select
Why Bar Business Owners Love FLIP
Here’s why other food and beverage businesses trust FLIP in their own words.
Pub and Bar Insurance Coverage Details
General Liability Aggregate Limit
Starts at $2,000,000
Products-Completed Operations Aggregate Limit
Starts at $2,000,000
Personal and Advertising Injury Limit
Starts at $1,000,000
General Each Occurrence Limit
Starts at $1,000,000
Damage to Premises Rented to You Limit
Starts at $50,000
Liquor Liability Occurrence & Aggregate Limit
Starts at $1,000,000
FAQs About Bar Insurance
What Kind of Insurance Do I Need for a Bar?
Most bars need general liability, liquor liability, and commercial property insurance at a minimum. A friendly FLIP agent will walk you through recommended coverages so you can customize your policy and feel confident your bar is protected against claim risks.
What Is Bar Insurance Called?
Bar insurance is also called pub insurance, tavern insurance, or bar business insurance. It typically refers to a bundle of coverages for alcohol-serving businesses.
How Much Is Insurance for a Bar?
Costs for bar insurance depend on your unique business details. Many FLIP policyholders pay between $3,000 and $11,000 annually, but the easiest way to find out how much you’ll pay for insurance is to get a free personalized quote.
Does Bar Insurance Include Liquor Liability Coverage?
Bar insurance typically includes liquor liability coverage because it’s an essential protection for businesses that serve alcohol. With FLIP, you can easily include liquor liability coverage in your policy to meet state insurance requirements and protect your bar, pub, or tavern.
What Does Pub Insurance Not Cover?
Coverage depends on your policy details, but common exclusions include:
- Intentional acts
- Certain assault-related claims (unless optioanl coverage is added)
- Damage to non-business-related property
- Injuries sustained by you, the owner
- Incidents outside your policy terms
Always review your policy carefully to understand what is and isn’t covered. Or, contact us if you have questions about your coverage!
Is Bar Insurance the Same as Bartender Insurance?
FLIP’s bar insurance is intended for brick-and-mortar bars. If you’re a bartender who works as an independent contractor or offers mobile services (at weddings or events, for example), our bartender insurance policy is crafted to protect you with essential general and liquor liability coverage, with optional add-ons available.