Bartender Insurance
High-Quality Liability Insurance for Bartenders
*Prices vary by state
Bartender Liability Insurance Protects Your Business
Bartender insurance rules and regulations can be confusing, and policies are often expensive. But you know bartending, and we know insurance. Insurance Canopy’s liquor liability insurance policy is affordable and customizable to fit your needs.
If you serve or sell alcoholic beverages, you can be compliant with dram shop and liquor laws and reduce your risk of costly claims in one step by getting general and liquor liability insurance from Insurance Canopy.
A+ Rated Bartender Insurance
Given an A+ rating by AM Best, the world’s largest insurance credit rating company, bartenders and business owners can rest easy knowing their business is protected with general and liquor liability insurance coverage from Insurance Canopy. Our comprehensive insurance plan covers industry-related risks such as accidents that stem from intoxicated customers or a nasty bar brawl.
Essential Liquor Liability Coverage
According to 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. With bartender insurance, you can manage that risk and mitigate (or eliminate) the out-of-pocket costs of alcohol-related claims.
Custom Policy Options for Your Business
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, such as cyber liability, assault and battery, and professional liability.
Bartender Insurance Coverage Details
*Pricing varies depending on limits selected.
Liquor Liability 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 Bartender Liability Insurance?
Bartender liability insurance provides business owners with coverage that can protect them from the cost of alcohol-related risks.
A risk is anything that can result in a claim or liability. They can come in any shape or size and differ 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, fight, or damaging property.
What Claims Are Covered By Bartender Insurance?
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 and from accidents caused by individuals you serve alcohol to, especially visibly intoxicated persons and minors.
You can also choose from additional policy options, like cyber liability insurance or assault and battery coverage, to add extra coverage for claims according to your business needs.
Types of Bartender Liability Risks
More often than not, risks can lead to claims. Don’t let the hazards of running your alcohol service drain your financial resources. Common risks Bartender Insurance can protect you from include:
- Incidents involving alcohol and minors, such as drunk driving accidents
- An extension cord causing a customer to trip and injure themselves
- An intoxicated customer slipping and grabbing hold of a curtain, causing the rod to tear away from the wall and damage the drywall
- Two patrons shouting at each other, escalating to a fistfight in your dining room
Claim Examples You Could Face
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 by 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 was settled for $200,000 with expense costs paid of $19,400.
- A woman was served 11 or 12 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 Bartender Insurance
Do Bartenders Need Insurance?
Yes. Businesses that sell or serve alcohol, such as private bartenders, wedding bartenders, bar owners, and more 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.
How Much Is Bartender Insurance?
Bartender insurance costs vary 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. For a more accurate quote according to your state, follow the link below.
Do I Need Bartender Insurance for Weddings?
Yes. Risks, big or small, are inevitable when you run a business, so it is important to have the right coverage and safeguard your business against those risks. Find out more about our wedding liquor liability coverage.
How Do I Get Bartender Insurance?
You will need some key information about your business as well as an idea of the duration of coverage you need and your local requirements to be a bartender in your state. Find out what you’ll need to become a licensed and insured bartender with our easy-to-follow guide.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Get Coverage for Your Bartending Business Today
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