Bartender Insurance
Serve safely with A+ rated mobile bartender insurance for events, weddings, and more.
Benefits of Bartender Insurance
Comprehensive Coverage
Food Liability Insurance Program (FLIP) offers general liability and liquor liability insurance for protection from setup to teardown and every pour in between.
Flexible Payments
Choose the payment option that fits you. Pay upfront for the year, or make affordable monthly installments.
Instant Online Process
Get high-quality coverage in less than ten minutes. Plus, access your policy 24/7 through our online user dashboard.
What Is Liquor Liability Insurance for Bartenders?
Bartender insurance is liability coverage designed to shield businesses that sell, serve, or furnish alcohol from costly claims and lawsuits.
Mobile bartending insurance offers the protection private and freelance bartenders need to reduce or even remove the cost of most liability claims your business might face. Coverage options include General Liability and Liquor Liability Insurance, plus extra coverages you can add for a policy tailored to your risks and budget.
Important note: Bartender liability insurance does not cover brick-and-mortar bars. It’s designed for bartenders who cater or bartend at weddings, parties, or other events.
Do Bartenders Need Liquor Liability Insurance?
Personal bartenders may be held liable by state dram shop laws to pay for accidents and damages caused by people they served. Private bartender insurance can protect you from out-of-pocket costs for liquor liability claims and help you run your business with peace of mind.
Picture this: you’re at a busy event and serving drinks as fast as you can pour them. A patron you served drives home while over the legal limit, causing a severe collision. The victim files a lawsuit holding your business responsible.
Liquor liability claims like this can cost hundreds of thousands of dollars and damage your business reputation. Bartender liability insurance shows clients you’re a true professional committed to making their event run smoothly.
How Much Does Bartender Insurance Cost?
Bartender liability insurance has two different policy options and prices:
- General Liability + Liquor Liability Event Policy – Starts at $150/event
- General Liability + Liquor Liability Annual Policy – Starts at $37.75/month
Your bartender insurance cost can vary depending on the states you operate in, the limits you choose, the coverages you include, your gross business revenue, and the length of your coverage.
How Do I Make a Claim on My Bartender Insurance Policy?
Dealing with accidents is hard enough, so we make filing a claim easy to get you back to work fast.
File a claim in five easy steps:
- Sign in to your FLIP user dashboard
- Click “File a Claim”
- Fill out the claims information
- Stand by — an expert food and beverage claims adjuster will contact you soon
- Receive payment, either to you or the third party involved in the claim
It’s that easy! If you have questions about the claims process, contact us. Our friendly, licensed customer support agents are ready to help.
Learn More About Insurance for Bartenders
Bartender Insurance Coverage Details
General Liability
Aggregate Limit: $2 Million
Shield your business from paying for bodily injury and property damage to others due to your business operations. General liability insurance can also protect against claims regarding products-completed operations, personal and advertising injury, and more.
Liquor Liability
Aggregate Limit: $2 Million
Protect your business from liquor liability claims arising from accidents caused by or involving people you served alcohol to. Common claims include an intoxicated customer getting behind the wheel and injuring someone or causing property damage.
Inland Marine (Tools & Equipment)
Aggregate Limit: $10,000
Avoid paying out of pocket to repair or replace damaged or stolen business equipment. Insuring your work tablet or bartending supplies can pay for damage and losses at home, during transport, on the job, or anywhere in between.
Free & Unlimited Additional Insureds
Extend your insurance coverage to landlords, event organizers, and businesses who request it. Add as many additional insureds as you need when you apply or anytime in your user dashboard.
Assault & Battery
Aggregate Limit: $25,000
Cover your business against third-party bodily injury and property damage claims due to guests who engage in assault and battery, either threatened or actual, at your business location.
Trailer Endorsement
Aggregate Limit: $2 Million
Extend your General Liability coverage to your trailer while it is detached from your vehicle and parked on the premises. Add it to the application or from your user dashboard anytime.
Professional Liability
Aggregate Limit: $200,000
Protect your advice and instruction with Professional Liability Insurance if your business holds demonstrations and classes or serves as a facilitator for them.
Cyber Liability
Aggregate Limit: $100,000
Guard your business against the cost of lawsuits and data breaches if you get hacked. Collecting or storing payment details on a computer, mobile device, or online platform makes you legally responsible for keeping them safe.
Your Opinion Matters Most
40,000+ food and beverage businesses trust FLIP. Here’s what a few have to say.
Have Bartending Insurance Questions? We're On It.
Do I Need Insurance to Bartend a Wedding?
Yes! Any bartender who works at weddings should have insurance. If an intoxicated wedding guest started a fight with another guest and someone got hurt, you could be held liable because you served them. Claims like these could cost thousands in out-of-pocket fees. Bartender insurance for weddings can reduce or cover those costs.
Why Does My Business Need Bartender Insurance?
Many states have laws that hold private bartending businesses financially responsible for injuries, accidents, and other damages caused by people you served alcohol to. Liquor liability claims can easily reach hundreds of thousands of dollars, especially in cases of death or serious injury.
Without mobile bartender insurance, you may be required to cover those expenses out of pocket, but with insurance, you can rest easy knowing that your business is covered.
How Do I Choose the Right Insurance for My Bartending Business?
To pick bartender liability insurance with a just-right amount of coverage, start by determining your amount of risk and how much your business is worth. Need help? We’ve got you covered.
When you buy insurance for mobile bartenders from FLIP, we ask you questions to help you find that information and focus on the coverages you really need. Here’s how the application process works:
- Fill out basic information about your business
- Read our menu of coverages and add the ones that fit your business
- Receive your custom quote instantly
- Buy your policy for same-day coverage
What Coverage Is Included in Bartender Insurance?
FLIP’s private bartender insurance offers policies including the following:
Together, these coverages can shield freelance bartending businesses against the majority of liability claims they face, including bodily injury, property damage, and liquor liability claims.
To protect what makes your bartending service special, customize your policy by adding these optional coverages:
What Claims Do Bartending Businesses Face?
Bartending insurance can cover alcohol-related claims like these:
- A customer downs one too many happy hour cocktails and then leaves the party, only to drive into a brick wall. They damage the property and injure themselves.
- While you are bartending at a wedding, some intoxicated groomsmen get a little rowdy and accidentally shatter the venue’s glass table.
- A guest throws a beer bottle and a brawl breaks out, resulting in several injuries.
Can I Add Additional Insureds to My Bartender Insurance?
Yes, you can! If a landlord, event organizer, or property owner wants you to extend your insurance protection to them, you can do it in minutes. Just list them as an additional insured while you apply or directly from your user dashboard anytime.
With FLIP, you can add unlimited additional insureds for free whenever you need to.
