Restaurant & Bar Insurance
Bars and taverns require unique insurance needs, but fortunately, bar insurance is available to help you comply with local laws regulating insurance needs for such establishments, and to help if you need reimbursement after some unexpected costs.
Bar Insurance Policy Features
Most forms of Bar Insurance are actually a combination of four important policies:
Business Owner's Policy—The Business Owner's Policy (BOP) bundles together several policies, including general liability coverage and property insurance.
Liquor Liability Insurance—If you sell alcohol to someone who's already intoxicated, you're partly responsible for what they do, and you could be held liable for any damage they cause.
Umbrella Coverage—The Business Owner's Policy provides the main coverage for your business, but if excessive damage (or a court-ordered payment for damages, in the case of a lawsuit) is involved, umbrella coverage can reimburse you for claims that would normally be difficult or impossible to pay.
Worker's Compensation—Finally, the last major part of bar insurance is worker's compensation; in an industry where busy bartenders and wait staff are moving around at high speeds while dealing with customers, the chance of someone falling and getting hurt is higher than anyone would like.
Insurance requirements for bars and taverns vary widely by state, so be sure to ask our a ERM Insurance Brokers representative for a bar insurance policy that matches your specific needs.
Fine dining facilities, franchise restaurants, fast food stops, and cafeterias feature a variety of different risks, but all share a need for the same basic coverages: commercial property insurance, general liability insurance, and business income coverage.
At ERM Insurance Brokers, we want to help you reduce losses that could impact your business. We can help you customize an insurance plan that specifically fits your food service establishment, letting you focus on providing a great experience for your customers.
Restaurant Insurance Quotes in Santa Ana CA
We work with a variety of insurance carriers to provide quick, accurate, and comprehensive restaurant insurance quotes. We help protect your employees and your customers with property insurance that includes spoilage coverage; general liability insurance that protects in the event of slips, falls, and more; and business income coverage to protect against a loss of income.