As a wedding bartender, you keep the party going with your delicious drinks, serving the bride and groom and their guests on their big day.
You have the drinks, you have the glasses, you have all your supplies to keep the party going strong, but wait! You’re missing something! Bartender insurance! The last thing you want to do is run your business without insurance.
So that brings us to the question, how much does wedding bartender insurance cost? Well lucky for you we have put together a guide that shines a little light on the subject.
WHAT IS BARTENDER LIQUOR LIABILITY INSURANCE
Let’s start at the beginning. Bartender liquor liability insurance provides bartenders with comprehensive coverage, annual and event policies, and an instant, quote-free process.
With a base policy that includes general and liquor liability as well as tools and equipment coverage, bartenders can choose which coverage is best for their business. Bartenders have the option of liquor liability only (if they already have a FLIP general liability policy) or general liability plus liquor liability.
Bartender liquor liability includes general liability, liquor liability, and inland marine (also known as equipment coverage).
In addition to these coverages, bartenders can also include event liquor coverage only or event general liability plus liquor coverage, depending on the needs of your business. Event liquor provides one to three days of coverage liquor liability. Event general plus liquor coverage includes one to three days of coverage, which includes liquor liability, and general liability.
THE COST OF WEDDING BARTENDER INSURANCE
So now that we have established what bartender insurance is, it is time to break down the cost.
Starting as low as $399 per year, liquor liability only coverage includes:
**The cost of liquor liability varies by state
- $100K Occurrence / $300K Aggregate
- Additional Insureds: unlimited and free of cost
We recommend adding these additional coverage options:
Increased Liquor Liability Limits
- $250K Occurrence / $500K Aggregate
- $1M Occurrence / $2M Aggregate
Assault and Battery
- $25K Occurence / $25K Aggregate
Cyber Liability
- $100K Occurence / $100K Aggregate
If you are looking for a more comprehensive policy, the General liability plus liquor liability coverage is the perfect one for your business.
General Liability plus Liquor Liability coverage includes:
- General Liability: $1M Occurrence / $2M Aggregate
- Liquor Liability: $100K Occurrence / $300K Aggregate
- Tools & Equipment Coverage:$5K Occurrence / $10K Aggregate $250 Deductible per Occurrence
- Damage to Premises Rented: $300K Occurrence / $300K Aggregate
- Additional Insureds: Unlimited / Free of Cost
- For this policy we recommend adding these additional coverage options
- Increased General Liability Limits
- $1M Occurence / $3M Aggregate
- $1M Occurence / $4M Aggregate
Increased Liquor Liability Limits
- $250 Occurrence / $500K Aggregate
- $1M Occurrence / $2M Aggregate
- Increased Tools and Equipment Coverage Limits
- $10K Occurrence / $50K Aggregate
Increased Tools and Equipment Coverage Limits
- $10K Occurrence / $50K Aggregate
- Assault and Battery $25K Occurrence / $25K Aggregate
Assault and Battery
- $25K
- Cyber Liability
- $100K Occurrence / $100K Aggregate
PROTECT YOUR BUSINESS TODAY
Wedding bartending without insurance is risky. With so many unknown risks it is hard to be prepared for everything. Save yourself the stress and hassle of potentially dealing with claims and get bartender insurance today!
