High-Quality Liability Insurance For Bartenders
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Protect Your Bartending Business
Bartender insurance rules and regulations are confusing, and policies are often expensive. Insurance Canopy has a general and liquor liability insurance policy that is both affordable and personal. You know bartending, and we know insurance. Insurance can reduce your business’s risk from the cost of third-party claims and be compliant with dram shop and liquor laws while selling and serving alcoholic beverages.
A+ Rated Bartender Insurance
Given an A+ rating by AM Best, an insurance rating company, bartenders and business owners can rest easy knowing their business is protected with general and liquor liability insurance coverage. This comprehensive insurance plan covers industry-related risks such as accidents that stem from intoxicated customers or a nasty bar brawl.
Insurance Canopy provides business owners with personal coverage so if your business needs additional coverage, no problem! Our Bartender Insurance plan includes additional policy options to fit your unique business needs.
As a business owner, risk is inevitable. According to your Local Dram Shop Law, you could be held liable for accidents caused by individuals you served alcohol to. Especially if they are visibly intoxicated or a minor. You may be legally responsible to cover these claims. With bartender insurance, you can help manage that risk and mitigate or even eliminate the out-of-pocket costs of alcohol-related claims.
Protect Your Business
Running a bartending business has risks, from customer injuries to liquor liability claims. Without insurance, you may be held liable to pay hundreds of thousands of dollars should an accident occur involving your business. Bartender Insurance can protect your business from the heavy financial burden of claims. Not to mention, insurance can help keep your reputation in the clear and increase your professionalism.
*Pricing varies depending on limits selected.
Liquor Liability Limits Options
$100,000 – $1,000,000
$300,000 – $2,000,000
General Liability Limits
Products & Completed Operations Aggregate
Personal & Advertising Injury
Each Occurence Limit
Damage to Premises Rented to You
Medical Expsnse Limit
Risk is anything that can result in a claim or liability. They can come in any shape or size and are different for each business. Businesses that sell or furnish alcohol have a higher level of risk which can result in heftier and more expensive claims. Risks of an alcohol-related business could include an intoxicated customer causing an accident or fight.
More often than not, risks can lead to claims. 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 the cost of claims. Common risks Bartender Insurance can protect you from include:
- Accidents involving customers you served alcohol to
- Customers getting injured as a result of your business operation
- Property damage caused by your business or by an intoxicated customer
- Fights or threats taking place between patrons
Here are two examples of claims you could face and their consequences if you were to operate your business without insurance.
- 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 or 12 alcoholic beverages by the 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 Bartender Insurance
Bartender Insurance is a liability insurance plan designed to protect bartenders from the risks of running a business that sells or serves alcohol. Without liability insurance, you may be required to pay hundreds of thousands of dollars out-of-pocket to cover claims against your business. Bartender insurance is designed to mitigate or even eliminate those costs.
Insurance Canopy’s Bartender Insurance plan includes general and liquor liability, as well as other additional policy options, to provide you with comprehensive insurance that covers the common risks of running an alcohol-serving business. We understand your business needs are unique, that is why we offer a plan you can customize.
Yes. As a business that sells or serves alcohol, you may be legally required to have liquor liability insurance. Even if your state does not require you to have insurance, you could still be found liable to cover expenses that arise from accidents caused by your business or by individuals you served alcohol to.
With general and liquor liability insurance, Insurance Canopy’s Bartender Insurance plan can protect your business from the hefty financial burden of claims.
Bartender Insurance covers a variety of claims. Because it includes general liability coverage, it protects against third-party bodily injury, property damage, and advertising personal injury claims that could arise from your business operation.
With liquor liability coverage, Bartender Insurance can also protect your business from claims that arise from accidents caused by individuals you serve alcohol to, especially visibly intoxicated persons and minors.
Bartender Insurance also includes additional policy options, like cyber liability insurance or assault & battery coverage, to add extra coverage for claims according to your business needs.
The cost of Bartender Insurance 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 $400 a year or $33 a month on average. For a more accurate quote according to your state, follow the link below.
Yes. Risks, big or small, are inevitable when you run a business so it is important to have the right coverage and protect your business against those risks. Insurance canopy provides general liability, alcohol liability, and more to businesses seeking wedding bartender insurance.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Beer is Fun. Lawsuits Aren’t. – Don’t get caught up in lawsuits and legal battles potentially costing you hundreds of thousands of dollars. Serve responsibly with Liquor Liability Insurance for Bartenders.