Mobile Bartender Insurance
High-quality liability insurance for mobile bartenders
A+ Rated, Affordable Mobile Bar Insurance
Protect your mobile bartending business from third-party claims with liability insurance from Insurance Canopy. If you sell or serve alcohol, we offer the coverage you need to safeguard your business.
A+ Rated Bartender Insurance
We’re proud to be an A+ rated insurer, meaning credit agencies recognize us as dependable and reliable. With general and liquor liability, Insurance Canopy provides mobile bartenders with comprehensive insurance that covers the common risks associated with the business. Need additional coverage? Not a problem. You can choose from additional policy options to fit your business needs.
Essential Liquor Liability Coverage
According to your local Dram Shop law, you could be held liable for accidents caused by individuals you served alcohol to, especially visibly intoxicated persons or minors. With mobile bartending insurance, you can mitigate or eliminate the out-of-pocket cost of alcohol-related claims you may be legally responsible to cover.
Coverage Details
*Pricing varies depending on limits selected.
Liquor Liability Insurance Limits Options
Occurrence Limit*
$100,000 – $1,000,000
Aggregate Limit*
$300,000 – $2,000,000
General Liability Limits
Products & Completed Operations Aggregate
$1,000,000
Personal & Advertising Injury
$1,000,000
Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You
$100,000
Medical Expense Limit
$5,000
What is Mobile Bartender Insurance?
Mobile bartender liability insurance is designed to protect mobile bartenders—also called freelance, traveling, private, personal, or event bartenders—from risks like damages or injury that can arise from serving or selling alcohol.
As a mobile bartender who serves alcohol at events, parties, or bars, you should carry insurance. Without it, you may be required to pay hundreds of thousands of dollars out of pocket to cover claims against your business, should an alcohol-related accident occur that you could be held liable for.
Our insurance for serving alcohol includes general and liquor liability, as well as other policy options, to provide you with comprehensive insurance that covers the common risks of running an alcohol-serving business.
Are You Protected Against Risk?
Don’t let the risks of running your alcohol service drain your financial resources. Insurance Canopy provides comprehensive liability insurance that can protect your business from claims such as the following:
- Accidents involving customers you served alcohol to
- Customers getting injured as a result of your business operations
- Property damage caused by your business or by an intoxicated customer
- Fights or threats taking place between patrons
Claim Examples You Could Face
- A patron was served three beers accompanied with three shots of whiskey by an untrained bartender over the course of three hours. He then stopped at an attached liquor store where he purchased a half-pint of whiskey. Upon leaving, the patron drove 500 feet before colliding head-on with a single-passenger vehicle. Both drivers were seriously injured. The case settled for $200,000 with expense costs paid of $19,400.
- A woman was served 11 alcoholic beverages by a bartender. After leaving the bar, she got into her vehicle and struck a 22-year-old student who died from her injuries. The student’s family sued and won a $900,000 settlement with an additional $63,000 in incurred expenses.
Questions About Mobile Bartending Service Insurance
Do I Need Mobile Bartender Insurance?
Yes. As a business that sells or serves alcohol, you should have liquor liability insurance. Even if you’re not legally required to carry insurance, you could still be found liable to cover expenses that arise from accidents caused by your business or by individuals to whom you served alcohol.
What Claims Are Covered By Mobile Bartender Insurance?
Because it includes general liability coverage, mobile bartender insurance protects against third-party bodily injury, property damage, and advertising personal injury claims that arise from your business operations.
With liquor liability coverage, it can also protect your business from claims that arise from accidents caused by individuals you serve alcohol to, especially visibly intoxicated persons and minors.
You can also apply additional policy options like cyber liability insurance or assault and battery coverage to add extra coverage for claims according to your business needs.
How Much Is Mobile Bartender Insurance?
The cost varies by state and the nature of your business (services offered, gross liquor sales, etc.). For plans including only general and liquor liability coverage, starting rates can be as low as $550 a year or $35.42 a month on average.
What Type of Insurance Does a Mobile Bartender Need?
Depending on your mobile bartending event you may need one or more of the following insurance coverages:
- General liability insurance
- Liquor liability insurance
- Inland marine insurance (tools and equipment)
Mobile bartender event insurance can help you avoid lawsuits and protect you from the risks of serving alcohol, such as intoxicated customers causing accidents, intoxicated customers causing fights, and other alcohol-related risks.
It is important to protect your business with mobile bartender liability insurance because these lawsuits could lead to losing your business license or draining your financial resources.
You can also customize your insurance policy to cover you at weddings, parties, events, and more. It’s important to get coverage prior to your bookings so that you are protected.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Cover Your Private Bartending Business With Insurance Today
Enjoy peace of mind and build trust with your customers by being a licensed and insured mobile bartender. Serve responsibly at each event you book with mobile bartending insurance.
