Bartender Insurance
Protect your freelance bartending business with mobile bartender insurance and enjoy peace of mind during each gig.
Benefits of Bartender Insurance
Comprehensive Coverage
Food Liability Insurance Program (FLIP) provides liability insurance policies that provide your business with the protection it needs.
Annual and Event Coverage
Do you need annual coverage? Or do you simply need a comprehensive, affordable policy for an upcoming event? Whatever you’re looking for, FLIP has you covered!
Instant Online Process
Get the high-quality coverage you need in less than ten minutes. Plus, gain instant 24/7 access to your policy through our online user dashboard.
What Is Liquor Liability Insurance for Bartenders?
Bartender insurance is a liability insurance plan designed to protect bartending businesses from the cost of liability claims.
As professionals who sell, serve, or furnish alcohol, bartenders face a unique set of risks that, without liability insurance, could cost hundreds of thousands of dollars.
With General and Liquor Liability coverage as well as additional policy options for added coverage, mobile bar insurance plans can reduce and even remove the cost of most liability claims a bartending business may face.
It is important to note that bartender liability insurance does not cover brick-and-mortar bars and is instead for bartenders who cater or bartend at weddings, parties, or other events.
Do Bartenders Need Liquor Liability Insurance?
As a personal bartender whose business entails selling, serving, or furnishing alcohol, you may be held liable by state dram shop laws to pay for accidents and damages caused by individuals you served.
Just one liquor liability claim can cost hundreds of thousands of dollars and damage your business reputation.
Private bartending insurance can protect you from the out-of-pocket cost of liquor liability claims and help you run your business with peace of mind.
Learn More About Bartender Insurance
Bartender Insurance Coverage Details
General Liability
Aggregate Limit: $2 Million
Protect your business from third-party bodily injury and property damage claims that stem from your business operations. It 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 third-party liquor liability claims arising from accidents caused by or involving individuals you served alcohol to. Common claims can include an intoxicated customer driving away and causing an injury accident. It can also include property damage.
Inland Marine (Tools & Equipment)
Aggregate Limit: $10,000
Protect your business from the out-of-pocket expenses that may arise from repairing or replacing damaged or stolen business equipment. It can cover damages and losses that occur 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 an additional insured through the application or your user dashboard at any time.
Assault & Battery
Aggregate Limit: $25,000
Protect your business from third-party bodily injury and property damage claims that arise from guests who cause assault and battery events, both 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 at any time.
Professional Liability
Aggregate Limit: $200,000
If your business conducts demonstrations or classes or serves as a facilitator, then you need Professional Liability Insurance.
Cyber Liability
Aggregate Limit: $100,000
Protect your business from first- and third-party claims that arise from cyber security breaches. If your business collects or stores payment information online, on a computer, or on a mobile device, you are vulnerable to cybercrime.
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Why Does My Business Need Bartender Insurance?
As a business that sells, serves, or furnishes alcohol, you may be held liable by your state’s dram shop laws to pay for injuries, accidents, and other damages caused by individuals you served alcohol to. Liquor liability claims can cost hundreds of thousands of dollars, especially in cases concerning death or serious injury.
Without bartender insurance, you may be required to cover those expenses out of pocket, but with bartender insurance, you can rest easy knowing that your business is covered.
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
The price 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 Choose the Right Insurance Policy for My Bartending Business?
Choosing the right insurance for your bartending business can be overwhelming. To help you decide, you need to determine your amount of risk and how much your business is worth, then choose a policy that best fits your business needs.
Simply follow these steps:
- Fill out an insurance application with your business information.
- Add the coverages you would like to include on your policy.
- Receive your quote.
- Purchase your quote on the same day.
It is important to note that we offer Event policies, Annual policies, and General Liability policies.
Bartender event insurance policies are great if you only serve liquor several times a year and are looking for 1–3–day coverage.
Our Annual policies provide 365 days of coverage. You can either:
- Choose an Annual Liquor Liability Insurance policy and add it to your existing General Liability Insurance policy, or
- Choose a General Liability plus Liquor Liability Insurance policy.
What Coverage Is Included in Bartender Insurance?
FLIP’s bartender insurance plan includes the following:
- General Liability Insurance
- Product Liability Insurance
- Professional Liability Insurance
- Liquor Liability Insurance
- Inland Marine Insurance
Together, these coverages can protect your business from the majority of liability claims faced by businesses in your industry, including bodily injury and property damage claims as well as liquor liability claims. However, you can add inland marine insurance, a trailer endorsement, and cyber liability insurance if your business needs more protection.
What Claims Do Bartending Businesses Face?
Alcohol-related claims can be covered by bartending insurance. Claims can include:
- A customer imbibes one too many happy hour cocktails and then leaves the party only to drive into a brick wall, damaging the property and injuring themselves.
- While bartending at a wedding, the groomsmen get a little too intoxicated and cause damage to the equipment you brought.
- A rowdy guest throws a beer bottle and a brawl breaks out, injuring several guests.
It’s important to protect your bartending business with bartender insurance not only for the legal aspect but to also protect your business reputation. When you insure your business, you’re telling clients that you are a professional who takes their craft seriously. Don’t find yourself in a bad situation without insurance.
Can I Add Additional Insureds to My Bartender Insurance Policy?
Yes, you can! Adding an additional insured is easy and can be done directly from your user dashboard or in your application process. With FLIP you can add unlimited additional insureds for free whenever you need to. An additional insured is a landlord, event organizer, or property owner who requires you to extend your insurance protection to them.
What Should I Do If I Need to Make a Claim on My Bartender Insurance Policy?
We understand that claims are never fun and seldom are a good time, which is why we’ve created an easy claims process designed 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 all of the necessary claims information
- Stand by to be contacted by a claims adjuster
- Receive payment for the claim, either to you or to a third party who was involved in the claim
It’s as easy as that! If you have any further questions about our claims process, feel free to contact us today.
Do I Need Insurance to Bartend a Wedding?
Yes. Without insurance, you are vulnerable to the cost of claims. If a wedding guest were to become intoxicated and start a fight with another guest, ending in a few broken bones, you could be held liable. Claims such as these can lead to you having to pay thousands of dollars in out-of-pocket fees and expenses. Bartender insurance for weddings can help mitigate or even eliminate those costs.
