At Baldinger Insurance, we understand the unique challenges and risks faced by bar and tavern owners. Our specialized policies offer essential protections, including coverage for assault and battery incidents, liquor liability insurance, property insurance, and more. With us, you can focus on serving great drinks and creating memorable experiences for your customers, knowing that we've got you covered. Trust in our expertise to provide top-notch insurance solutions tailored specifically for bars and taverns. Explore our range of coverage options today to secure the future of your establishment with confidence.
BAR AND TAVERN INSURANCE
COVERAGE OVERVIEW
General Liability
General liability insurance is vital for bars and taverns, offering protection against third-party claims of bodily injury, property damage, and personal injury. From slip-and-fall accidents to lawsuits alleging libel or slander, this coverage safeguards against potential financial losses and legal expenses.
Business Income
Business Income coverage, operating on an Actual Loss Sustained (ALS) basis, is vital for safeguarding against income loss resulting from covered perils. This essential protection ensures financial stability by reimbursing for lost income and expenses during the restoration period following events such as fire or storm damage.
Liquor Liability
Liquor liability coverage is critical for bars and taverns, tailored to protect against risks linked to serving alcohol. It shields establishments and their owners from liabilities stemming from incidents involving intoxicated patrons, including accidents, injuries, or property damage.
Property
Property insurance is crucial for nightlife establishments, providing essential protection for physical assets like buildings, equipment, and inventory. This coverage safeguards against risks such as fire, theft, and vandalism.
Assault and Battery
Assault and battery coverage is a specialized insurance essential for bars and taverns, crafted to shield businesses from liabilities arising from violent incidents on their premises. It provides financial protection against claims related to physical altercations, fights, or assaults within the establishment.
Umbrella
Business Income coverage, operating on an Actual Loss Sustained (ALS) basis, is vital for safeguarding against income loss resulting from covered perils. This essential protection ensures financial stability by reimbursing for lost income and expenses during the restoration period following events such as fire or storm damage.
Liquor Liability Coverage: $1 million per occurrence and $2 million aggregate
Assault and Battery Coverage: Limits up to $1 million
Hired Non-Owned Auto Coverage: $1 million limit included
No Deductible for General Liability/Liquor Liability or assault and battery
Umbrella Coverage: Following form excess limits up to $5 million
Comprehensive Property Enhancement: Includes equipment breakdown
Business Income: Issued on ALS form
Nationwide Availability: except for Alaska, D.C., Hawaii, Pennsylvania, South Carolina, and West Virginia
Financial Stability: Rest assured with a carrier Best rating of A- IX, ensuring financial stability and reliability
Minimum Receipt Basis: $500,000
