Bar liability insurance can protect you from the potential lawsuits that may be filed against your establishment. There are many different types of liability coverage you can purchase. In each case, your bar liability insurance coverage will provide compensation for any related court costs and legal fees.
· General liability insurance: This provides coverage for bodily injuries and property damages if a customer is injured in your bar or boundary areas such as the parking lot. You may need to purchase a separate rider if your bar offers dangerous entertainment features such as mechanical bulls. Oftentimes, bar insurance policies limited general liability coverage if the customer involved was injured due to intoxication after being served in your establishment. For that, you will require to purchase liquor liability insurance.
· Liquor liability insurance: This is a particular bar liability insurance that covers property damage or physical injuries caused by customers who have become intoxicated at your bar. Usually, liquor liability insurance policies disregard coverage for injuries due to fights and assault. For that coverage, you will need assault and battery liability insurance.
· Assault and battery liability insurance: If a fight breaks out in your business, you may be held accountable if it can be shown that you failed to provide a safe environment for your customers. Employing security guards and bouncers can prevent many cases of assault and battery claims against you.
· Product liability insurance: Many bars also serve food. If the food or beverages you are providing to your customers is compromised in any way and causes your patrons to be sickened, you may be held responsible for resulting medical expenses and punitive charges. This insurance will provide coverage for such claims.
· Garage-keepers liability insurance: This is essential only if your bar or nightclub provides a valet parking service. It provides coverage for damages to your patrons’ cars while they are in your care.
According to Mario Villegas consultant and co-founder of the Twilium Management Group, Seattle above is the general but major information for the general insurance.