January, 2019

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Don’t Forget Bar Liability Insurance

Bar liability insurance programs

Don’t Forget Bar Liability Insurance

Bar liability insurance programs are your first line of defense against claims due to damage to property or bodily harm to a patron. To be able to sell liquor at a bar is important. It’s often one of the main appeals of a bar. However, it does come with its share of risks. Here is why you never want to forget bar liability.

Legal Requirements

Most states require a bar to have some type of liquor liability insurance. Keep in mind that the laws may vary from state to state. Some may be more rigid than another state. However, if you don’t have insurance, you could break your business with the amount you have to pay.

Court Fees

The cost of going to court is expensive. If you don’t have insurance and someone files a claim against you, you have to pay all of those fees out of pocket. Most businesses don’t have the cash flow necessary to handle those costs. Bar liability insurance programs pay for your legal fees.

When it comes down to it, you don’t want to be caught without liability insurance. This is particularly true when you run a bar or restaurant that serves alcohol. While serving alcohol is fun and you want your patrons to have a good time, no one can deny the risks that you have to account for.