Bar Insurance Overview
Who Needs Bar Insurance?
Any organization or company that handles or serves alcohol needs specialized liability insurance as a standard commercial general liability insurance policy almost always excludes liability arising from the sales or distribution of alcohol at your establishment.
Some organizations that must have or should consider bar insurance include:
- Bars and/or Pubs
- Restaurants
- Night Clubs
- Private Clubs, Social Clubs or Legions
- Tavern
- Reception Halls
- Micro-Breweries
- Wineries
What Does Bar Insurance Cover and How Do I know I have The Right Insurance Coverage?
Bar insurance is most commonly found as an extension to existing commercial general liability insurance policies. This is important coverage as it covers damages to persons and property caused by patrons when customers consume alcohol at your establishment and/or allege that they were over-served at your establishment. Rates of insurance will vary based on the type of business, location, amount of sales and business history.
Real Canadian claims examples to illustrate the need for bar insurance;
- An intoxicated patron trips and falls down a flight of stairs at your establishment and injures themselves.
- A patron consumes alcohol at your establishment, and on the way home is involved in an at-fault car collision to which alcohol was a contributing factor.
To Learn More About Bar Insurance Speak To An ALIGNED Insurance Brokers Or Connect With Us Today.
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