Coverage Guide
Bar Insurance Coverage Guide
Liquor liability, assault coverage, and dram shop protection
Assault & Battery Often EXCLUDED
Standard GL policies typically exclude assault and battery claims. If you have bouncers or late-night hours, you NEED separate assault coverage. Bar fights are one of the most common and expensive claims.
Coverage Types
General Liability
Slip/fall, injury
$4,000
Base Annual
Liquor Liability
Dram shop claims
$4,500
Base Annual
Property/BOP
Building, equipment, inventory
$3,500
Base Annual
Assault & Battery
Bouncer/patron incidents
$2,000
Base Annual
Bar Type Rate Factors
| Bar Type | Description | Rate Factor |
|---|---|---|
| Neighborhood Bar/Pub | Local tavern | ×1 |
| Sports Bar | TV screens, events | ×1.15 |
| Nightclub/Dance Club | Late night, dancing | ×1.65 |
| Brewery/Taproom | Craft beer focus | ×0.9 |
| Wine Bar | Lower risk profile | ×0.85 |
| Cocktail Lounge | Upscale setting | ×1.1 |
*Nightclubs pay up to 65% more due to late-night hours and assault risk