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What is Bar Insurance?

Operating bars and similar businesses requires substantial investment, and the resources that are poured into a bar ought to be protected. Without adequate protection in place, a bar and everything that’s been invested into it could be lost in just one disaster or lawsuit. Bar insurance policies help protect bars, taverns and other businesses like these that are in Massachusetts from a range of potential risks.

Bar insurance is a specialized type of commercial insurance that’s uniquely made to meet the risk mitigation of bars and similar businesses. Policies are generally written as package policies that have multiple coverages so they can protect against lots of potential risks.

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What Businesses in Massachusetts is Tavern Insurance Right For?

There are many businesses in Massachusetts that might benefit from the protections afforded by this type of insurance policy. Broadly speaking, the majority of bars, taverns and pubs in the state will find that tavern insurance suitably meets their needs.

In a few cases, some businesses that are similar to bars might have comparable insurance needs but actually be better off with a slightly different commercial package policy. Restaurants and nightclubs, for example, likely will find that a policy tailored to their particular industry will better meet their needs.

Businesses that aren’t sure whether tavern insurance or something else is more appropriate for them can speak with an insurance agent who specializes in this form of commercial policy. An agent who’s helped similar businesses will appreciate the risks that a business faces and know what particular type of policy is most well-suited for those risks. 

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Bar Insurance Massachusetts

What Coverages Do Tavern Insurance Policies Make Available?

As mentioned, most tavern policies are package policies that come with multiple coverage options. Some coverages that a bar might want to look for include:

  • General  Liability Coverage, which may protect against common accidents
  • Liquor Liability Coverage, which may protect against alcohol-induced accidents
  • Assault and Battery Coverage, which may protect against instances of assault or battery
  • Commercial Liability Coverage, which may provide additional liability protection
  • Commercial Property Coverage, which may protect owned buildings and equipment
  • Food Contamination Coverage, which may protect foods from spoilage after a disaster
  • Equipment Breakdown Coverage, which may protect equipment in the event of a malfunction

Product liability coverage, cyber liability coverage and business interruption coverage are a few other protections that bars ought to consider.

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Is Workers Compensation Coverage Included in Tavern Insurance Policies?

Tavern policies frequently don’t come with workers compensation coverage, even though most bars in Massachusetts have employees and are required to carry this coverage. Instead of being obtained via a package policy, workers compensation is often purchased through a stand-alone policy that focuses on this one coverage. Insurance agents who are familiar with tavern policies can usually also help with workers compensation policies, however.

Are Bar Policies Expensive?

The premiums charged for bar policies are based on many factors, possibly including a bar’s location, size and annual sales, and the premiums can vary as a result. Most policies, though, do have affordable premiums that fit within bars’ budgets.

Bar Insurance Massachusetts

How Can Bars and Similar Businesses Get Bar Insurance?

For help insuring a bar or similar business that’s in Massachusetts, contact the independent insurance agents at Haberman Insurance Group. Our agents have assisted many of these businesses with their insurance needs, and we’re ready to work with you on finding bar insurance. Since we’re independent, you can trust our agents to recommend the most appropriate policies regardless of what insurance company is offering them.

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