Bar and Tavern Insurance
Comprehensive bar and tavern insurance: safeguarding your property and guests, offering protection and peace of mind as you pour pints and host happy hours.
Bar and tavern experts, understanding your safety needs and compliance challenges.
With over 20 years safeguarding bar and tavern owners, our expert advisors bring deep insight into the unique risks you face. We collaborate closely to tailor insurance solutions that shield against liquor liability claims, assault allegations, and premises hazards while proactively mitigating emerging regulations. Our commitment to personalized guidance ensures your establishment maintains comprehensive protection as your offerings and customer base expand.
Our licensed insurance experts specialize in coverage for bars, taverns, and nightclubs from local pubs to nationwide chains. Closely monitoring liquor laws, public safety codes, and emerging liability trends, we take a proactive stance on industry risks. This diligent approach ensures comprehensive protection against liquor liability claims, assault and battery incidents, and premises security lapses.
Going above basic coverage, we offer tailored insurance solutions for bars and taverns. From liquor liability to assault and battery, from property damage to loss of income, our policies provide complete protection with zero vulnerabilities for your establishment.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Covers bodily injuriesor property damage to others on your premises or caused by operations
• Protects against liquor liability claimsfrom over-serving, assault & battery, and slander/libel accusations
• Provides product liability coveragefor food poisoning, spoiled/contaminated beverages, or allergic reactions
• Includes personal & advertising injury protectionrelated to slander, libel, copyright infringement, and false advertising
• Covers your building & contentsin case of fire, theft, vandalism, or certain natural disasters
• Includes equipment breakdown coveragefor items like coolers, walk-ins, kitchen equipment, and boilers
• Provides business interruption insuranceto cover income lost due to closure after a covered event
• Covers outdoor property & signsfrom wind, hail, vandalism, vehicle damage, and more
• Provides medical & disability benefitsfor employees injured or ill due to work-related causes
• Covers lost wages & vocational rehabilitationfor employees unable to return to original job duties
• Includes employer's liability protectionagainst lawsuits for workplace injuries, illnesses, or deaths
• Satisfies state legal requirementsfor most businesses that have employees
• Covers injuries or damagescaused by intoxicated individuals after being served at your business
• Protects against assault allegationsby intoxicated patrons or third-party individuals
• Includes defense costs & judgmentsfrom liquor liability lawsuits brought against your business
• Provides coverage for liquor violationslike over-serving, serving minors, or operating without a liquor license
On average, Bar and Tavern Insurance costs around $2,500 annually; however, individual premiums vary based on several factors:
Higher liquor sales equate to increased liability risks, resulting in higher premiums. Establishments with significant alcohol consumption face greater potential for accidents or injuries.
Larger venues with higher occupancy levels often require higher coverage due to increased risks. Robust security measures may help mitigate premiums.
Late-night operations and live entertainment offerings can lead to elevated premiums as they pose additional liability concerns for insurers.
Establishments with a history of frequent claims or inadequate safety protocols may face steeper premiums due to their higher risk profile.
Venues in high-crime areas or with a history of frequent incidents may be subject to higher rates to account for the heightened risks involved.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Bar and tavern insurance typically covers general liability, liquor liability, property damage, and business interruption. General liability protects against customer injuries, while liquor liability covers alcohol-related claims. Property coverage insures your physical space and equipment. Business interruption helps replace lost income following a covered event. Coverage details and limits vary, so review your policy carefully.
Most policies exclude coverage for claims arising from knowingly serving minors or failing to properly check identification. Implementing strict age verification procedures and staff training on responsible alcohol service can help mitigate this risk. Some insurers offer supplemental coverage for defense costs related to underage drinking allegations at an additional premium. Consult your agent for available options.
Implementing robust safety protocols, like routine staff training, stringent ID checks, and designated driver programs can help lower your risk profile and premiums. Installing security cameras, maintaining detailed incident logs, and conducting regular property maintenance also demonstrate responsible risk management. Bundling policies and increasing deductibles are other potential cost-saving strategies worth exploring with your insurer.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
