Bartender Insurance
High-Quality Liability Insurance For Bartenders
Starting as low as
$ 33 /month*
*Price varies by state
Protect Your Bartending Business
Protect yourself from third-party claims with Bartender Insurance from Insurance Canopy. This coverage includes general and liquor liability, the latter of which is necessary for individuals who run a business selling and serving alcoholic beverages.
Our Partners
A+ Rated Coverage
With general and liquor liability, Insurance Canopy provides bartenders with A+ rated, comprehensive insurance that covers the common risks associated with the business. Need additional coverage? Not a problem. Our Bartender Insurance plan includes additional policy options to fit your business needs.
Liquor Liability
According to your local Dram Shop law, you could be held liable for accidents caused by individuals you served alcohol to, especially visibly intoxicated persons or minors. With Bartender Insurance, you can mitigate or eliminate the out-of-pocket cost of alcohol-related claims you may be legally responsible to cover.
Protect Your Business
Running a bartending business has risks, from customer injuries to liquor liability claims. Without insurance, you may be held liable to pay hundreds of thousands of dollars should an accident occur involving your business. Bartender Insurance can protect your business from the heavy financial burden of claims.
Coverage Details
*Pricing varies depending on limits selected.
| Liquor Liability Limits Options | |
|---|---|
| Occurence Limit* | $100,000 - $1,000,000 |
| Aggregate Limit* | $300,000 - $2,000,000 |
| General Liability Limits | |
|---|---|
| Products & Completed Operations Aggregate | $1,000,000 |
| Personal & Advertising Injury | $1,000,000 |
| Each Occurence Limit | $1,000,000 |
| Damage to Premises Rented to You | $100,000 |
| Medical Expsnse Limit | $5,000 |
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Protect Against Risk
Don’t let the risks of running your alcohol service drain your financial resources. Insurance Canopy provides comprehensive liability insurance that can protect your business from claims. Common risks Bartender Insurance can protect you from include:
- Accidents involving customers you served alcohol to
- Customers getting injured as a result of your business operation
- Property damage caused by your business or by an intoxicated customer
- Fights or threats taking place between patrons
Claim Examples You Could Face
A patron was served three beers accompanied with three shots of whiskey by an untrained bartender over the course of three hours. He then stopped at an attached liquor store where he purchased a half pint of whiskey. Upon leaving, the patron drove 500 feet before colliding head-on with a single passenger vehicle. Both drivers were seriously injured. The case settled for $200,000 with expense costs paid of $19,400.
A woman was served 11 or 12 alcoholic beverages by the bartender. After leaving the bar, she got into her vehicle and struck a 22-year-old student who died from her injuries. The student's family sued and won a $900,000 settlement with an additional $63,000 in incurred expenses.
Questions About Bartender Insurance
Bartender Insurance is a liability insurance plan designed to protect bartenders from the risks of running a business that sells or serves alcohol. There are many risks associated with running a bartending business. Without liability insurance, you may be required to pay hundreds of thousands of dollars out of pocket to cover claims against your business.
Insurance Canopy’s Bartender Insurance plan includes general and liquor liability, as well as other additional policy options, to provide you with comprehensive insurance that covers the common risks of running an alcohol-serving business.
Yes. As a business that sells or serves alcohol, you may be legally required to have liquor liability insurance. Even if your state does not require you to have insurance, you could still be found liable to cover expenses that arise from accidents caused by your business or by individuals you served alcohol to.
With general and liquor liability insurance, Insurance Canopy’s Bartender Insurance plan can protect your business from the hefty financial burden of claims.
Bartender Insurance covers a variety of claims. Because it includes general liability coverage, it protects against third-party bodily injury, property damage, and advertising personal injury claims that arise from your business operation. With liquor liability coverage, Bartender Insurance can also protect your business from claims that arise from accidents caused by individuals you serve alcohol to, especially visibly intoxicated persons and minors.
Bartender Insurance also includes additional policy options, like cyber liability insurance or assault & battery coverage, to add extra coverage for claims according to your business needs.
The cost of Bartender Insurance varies by state and the nature of your business (services offered, gross liquor sales, etc.). For plans including only general and liquor liability coverage, starting rates can be as low as $400 a year or $33 a month on average. For a more accurate quote according to your state, follow the link below.
Choosing the right insurance is critical.
You can’t afford gaps in your coverage that could put you out of business.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Bartender Insurance
Beer is Fun. Lawsuits Aren't. - Don’t get caught up in lawsuits and legal battles potentially costing you hundreds of thousands of dollars. Serve responsibly with Liquor Liability Insurance for Bartenders.
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