2026 Calculator
Bar Insurance Calculator
Estimate your bar and tavern insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
How much does bar insurance cost in 2026?
Bar insurance typically costs $8,000-$20,000 per year including GL, liquor liability, and property coverage. Nightclubs and late-night venues pay significantly more (up to 65% higher premiums) due to increased assault and intoxication risks.
What is liquor liability insurance?
Liquor liability (also called dram shop insurance) protects you when an intoxicated patron causes harm to themselves or others. Dram shop laws in most states hold bars legally responsible for overserving. This coverage is typically required for a liquor license.
Does bar insurance cover fights and assaults?
Standard GL often EXCLUDES assault and battery claims. You need separate Assault & Battery coverage, which costs $1,500-$3,000+ per year. Nightclubs and bars with bouncers especially need this coverage as patron fights are common claims.
Why are nightclubs more expensive to insure than bars?
Nightclubs have higher assault risk, late-night hours leading to more intoxicated patrons, dancing/crowd density issues, and often younger clientele. These factors can increase premiums 50-65% compared to a neighborhood pub.
Is liquor liability required to get a liquor license?
In most states, yes. The liquor license application typically requires proof of liquor liability insurance with minimum limits (often $300,000-$1,000,000). Some states allow cash bonds instead, but insurance is the standard approach.