Bar Insurance in Phoenix, AZ and the surrounding metro area
There are unique risks associated with operating a bar and or tavern. Having comprehensive insurance can help mitigate these exposures. Additionally, depending on your state, certain coverages may be required.
The agents at Horizon Insurance Agency in Phoenix, Arizona, can discuss the various options and help you select the insurance that is right for you. Contact us today for more information.
What Types of Insurance Coverage Are Available for Bars
Several types of business insurance are available for your bar or tavern, and they can provide financial coverage for your business. Options include:
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General liability insurance—This can cover financial losses if your business is responsible for third-party injuries or property damage. It may also help pay for legal fees.
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Commercial property insurance—This may pay for repair or replacement costs if your business’s property is damaged or destroyed by a covered event (e.g., fire), or if it’s lost or stolen.
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Liquor liability insurance—This may provide coverage if you are sued for serving an intoxicated customer who causes property damage or bodily injury. It may provide payment for legal fees, medical expenses or property damage costs. Policy endorsements for liquor liability coverage may also be available.
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Workers’ compensation insurance—Workers’ compensation helps employees with medical care after a work-related injury or illness. It may also provide wage replacement during recovery.
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Umbrella Insurance—This can fill in the gap if a significant liability claim exceeds your other policies’ liability limits.
Depending on your operations, you may also consider other coverages, including:
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Product liability insurance
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Equipment breakdown insurance
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Business interruption insurance
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Employee dishonesty and crime insurance
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Cyber liability insurance
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Food spoilage or contamination insurance
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Commercial auto insurance
Work with Horizon Insurance Agency to find the insurance that best fits your needs. We can provide information regarding options, exclusions and limits.
How Much Does Bar Insurance Cost?
Your insurance policy premiums depend on several factors. Your bar’s location and type, your annual revenue and your claims history can affect costs.
Contact Us
The professionals at Horizon Insurance Agency can help you secure insurance for your business. Reach out today for more information or a quote.
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