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102, 2016

Insurance Policy Checkup: Is Your Restaurant Covered?

By |February 1st, 2016|Bar & Tavern Insurance, Bar Insurance, Liquor Liability Insurance, Pub Insurance, Restaurant Insurance, Special Event Liability|0 Comments

The right insurance policy may not always be fun to pay for, but it’s essential when it comes to protecting your property – or in this case, your business. Yes, when it comes to safeguarding your restaurant, there are a lot of different factors that you have to consider. This is especially true if your restaurant also includes a bar or serves alcohol. On that note, it’s always good to give your business a regular checkup to make sure that you’re covered to the extent that you should be. Read on for more information about the coverage that you can’t afford not to have if your business meets certain criteria.
Insurance Policy Must-Haves
If there’s one type of insurance that you want to make absolutely sure your restaurant has, it’s general liability. Specifically, general liability protects your business from both known and unknown risks. With general liability insurance, things like lawsuits resulting from […]

408, 2014

What is Liquor Liability Insurance?

By |August 4th, 2014|Pub Insurance|0 Comments

 

As a bar owner, you’re probably well aware of the risks that are inherent with serving customers alcohol. For example, a couple of intoxicated patrons may decide they want to fight each other, injuring themselves and innocent bystanders in the process. Or a patron that had one drink too many might refuse your bartender’s offer to call a cab and crash his car on the drive home. These are very real risks, and if your bar isn’t protected with liquor liability insurance, you could face serious lawsuits in these and other similar situations.

What is liquor liability insurance? Simply explained, it’s a special insurance policy that covers legal problems that might arise from patrons who are drinking legally at your bar, club, or restaurant. So, if those intoxicated patrons get in a fight and someone gets hurt, your bar is protected from a potentially bankrupting lawsuit. Same goes for someone crashing […]

407, 2014

A Closer Look at the Different Types of Liquor Liability Insurance

By |July 4th, 2014|Pub Insurance|0 Comments

 

Fact: If your business serves alcohol, you need a liquor liability insurance policy. You need protection in the event that a patron becomes intoxicated and hurts themselves or someone else as a result.

Without liquor liability insurance, you’re playing a very risky game, putting your entire business at risk as a single lawsuit could bankrupt you and shut your doors for good.

Unfortunately, 2 out of 3 businesses that should have liquor liability insurance don’t have it. While some opt to roll the dice because they don’t want to pay the premiums, others don’t have liquor liability coverage because they simply don’t understand it. Admittedly, bar insurance is a complex topic.

Of course, not all liquor liability insurance policies are the same. There are many different components of liquor liability insurance plans, and understanding what you need to look for in a liquor liability is essential to getting the […]

506, 2014

What Type of Bar Insurance is Best for Your Business?

By |June 5th, 2014|Pub Insurance|1 Comment

 

Being in the bar business comes with its own set of unique risks. Imagine if an intoxicated patron decides to start a fight, injuring himself and some innocent bystanders in the process. Or what if a bartender over-serves a customer and that leads to injury? Or what happens when an intoxicated customer refuses to get in a cab and gets in a car accident on the way home? The risks are endless, and the only way to protect your business is with the right bar insurance policy.

While you might already have general commercial liability insurance for your bar, the fact is that it’s woefully inadequate. While it might offer a basic level of protection, it won’t cover property damage of physical injuries that occur as a result of an intoxicated patron.

That’s why it’s important that you invest in a bar insurance policy that’s specifically designed to protect you against the […]

605, 2014

Bar Insurance 101: How Bar Insurance Can Help Your Business

By |May 6th, 2014|Pub Insurance|0 Comments

 

When you own a bar, there are lots of different things that can go wrong. From buzzed patrons who insist on starting a fight, leading to property damage and injuries, to employees with sticky fingers who may try to rob you blind, the risks of running a bar are numerous and very real.

That’s why it’s so important that you take the necessary steps to protect your business by making the smart investment in bar insurance.

What is bar insurance? While there are many different types of bar insurance, all of them provide a special type of coverage to protect bars from various losses and damages.

Bars, pubs, taverns, sports bars, wine bars, and other establishments that serve alcohol to patrons need to be insure, because all it takes is one incident and one lawsuit to bankrupt your bar and shut it down for good.

Bars Need More Than Just […]

502, 2014

3 Things to Look for when Choosing a Liquor Liability Insurance Policy

By |February 5th, 2014|Pub Insurance|0 Comments

If you own a bar, pub, tavern, nightclub, restaurant, liquor store, or any other establishment that manufactures, sells, or distributes liquor, your business needs liquor liability insurance. This very important insurance can protect your business against losses or damages that occur as a result of one of your patrons getting intoxicated and harming themselves or someone else.

Of course, this type of business insurance is vital, but it can also be confusing. Liquor liability insurance policies can vary greatly from one provider to the next, so it’s important that you understand what your policy should contain.

Here are 3 important things you need to look for when choosing a liquor liability insurance policy:

Assault and battery—Alcohol and fights go hand in hand. That’s why it’s important to make sure that your liquor liability insurance policy includes coverage for assault and battery claims. These are the most common claims against bars, taverns, pubs, etc., […]

510, 2013

What You Need To Know Before Getting Texas Bar and Tavern Insurance

By |October 5th, 2013|Pub Insurance|0 Comments

If you own a bar, you have to get bar insurance. There’s no way around it. But choosing the right business insurance for your bar, tavern, pub, nightclub, wine bar, or other drinking establishment requires careful consideration and planning. It all starts with making sure you have the right information on hand to get setup with the right Texas bar insurance plan for your business.

With that in mind, here are some of the things you need to know before getting bar and pub insurance.

 

The value of the property and its contents—Imagine your bar just got destroyed overnight. What would it cost to replace everything? That includes the building, furnishings, beverages, coolers, point of sale systems, and everything else on the property. You need to know this figure.
The percentage of bar sales that will be alcohol—You’ll need to provide your insurer with evidence of your bar’s sales. In most […]

307, 2013

How to Save on Restaurant Insurance by Creating a Safer Workplace

By |July 3rd, 2013|Pub Insurance|0 Comments

Every year, tens of thousands of restaurant workers fall victim to workplace injuries. Many employees are forced to miss time from work due to injuries sustained on the job. Not only does this affect their personal well-being, but it also costs restaurants money with workers’ compensation claims and high insurance premiums.

As a restaurant owner, creating a safe and healthy workplace should be your number one priority. This will help keep your workers happier and more motivated, and it will contribute to your bottom line, saving your business money on restaurant insurance workers’ compensation claims.

With that in mind, it’s important that you take the right steps to create a safer workplace. Here are some tips to help you out:

1 – Don’t let employees lift heavy objects on their own.

Lifting heavy boxes without the assistance of another person or lifting devices can lead to strains, sprains, muscle damage, and a host of […]

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