Bartender Insurance
Protect your business with the best insurance for bartenders!
*Prices vary by state
Bartender Liability Insurance Protects Your Business
Navigating bartender insurance can feel overwhelming. Between regulations, coverage options, and pricing, where do you even start? Insurance Canopy is here to help with affordable, customizable liquor liability insurance.
A+ Rated Bartender Insurance
With an A+ rating by AM Best, the world’s largest insurance credit rating company, Insurance Canopy’s bartender insurance lets business owners rest easy knowing they’re protected with top-shelf quality coverage. If an intoxicated customer stirs up trouble, we’re here to help with insurance you can trust.
Liquor Liability + General Liability Coverage
According to dram shop laws, you could be held liable for accidents caused by individuals you served, especially if they are visibly intoxicated or underage. With bartender insurance, you can manage that risk and mitigate (or eliminate) the costs of alcohol-related claims.
Customizable Policy Options for Your Business
Insurance Canopy’s bartender insurance policy also provides add-on options, such as cyber liability, assault and battery, and professional liability.
Bartender Insurance Coverage Details
*Pricing varies depending on limits selected.
Liquor Liability Limits Options
Occurrence Limit*
$100,000 – $1,000,000
Aggregate Limit*
$300,000 – $2,000,000
General Liability Limits
Products & Completed Operations Aggregate
$1,000,000
Personal & Advertising Injury
$1,000,000
Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You
$100,000
Medical Expense Limit
$5,000
What Is Bartender Insurance?
Bartender liability insurance is coverage that protects you and your business against alcohol-related claims. Insurance Canopy’s policy contains both general and liquor liability for the best coverage for bartenders.
If an intoxicated customer gets hurt, injures somebody else, or causes property damage, your coverage can help pay for expenses like medical bills, repair costs, and legal fees.
Businesses that sell alcohol may be held financially responsible if a patron causes damages, but bartending insurance can absorb some or all of that cost so you don’t have to pay out of pocket.
What Claims Are Covered By Bartender Insurance?
Bartender insurance includes general and liquor liability so you have coverage from every angle. This includes third-party bodily injury, property damage, and advertising personal injury claims that could arise from your business operations or accidents caused by intoxicated patrons.
How Much Is Bartender Insurance?
Bartender insurance costs as low as $550 a year or $35.42 a month.
Your final premium varies depending on where you operate, how much you make, and the nature of your business.
Do Bartenders Need Insurance?
Yes. All businesses that sell or serve alcohol — such as mobile bartenders, wedding bartenders, and caterers — may be legally required to have bartender liability insurance.
Even if it’s not a legal requirement, insurance is still an essential investment. Most states hold alcohol-serving businesses liable for accidents caused by intoxicated customers. A single claim can cost thousands of dollars, but insurance can cover some or all of it.
Questions About Bartender Insurance
What Are Some Bartender Liability Claim Examples?
- Two intoxicated customers got into a fistfight, resulting in both men going to the hospital.
- A bartender accidentally served an underage guest who drove herself home and caused a severe car accident, injuring herself and another driver.
- After having several drinks at a corporate mixer, a guest got behind the wheel and backed into the venue’s deck, causing severe property damage.
In each of these scenarios, bartender liability insurance responded to help pay for medical bills, repair costs, and legal fees.
Do I Need Bartender Insurance for Weddings?
All wedding bartenders need to safeguard themselves with wedding liquor liability insurance to mitigate their risk.
If a wedding guest gets drunk and causes an accident, you could be responsible for the resulting expenses. Without insurance, you could be stuck paying thousands of dollars on your own.
Can I Get One-Day Bartender Insurance Coverage?
Yes! Insurance Canopy offers event liquor liability insurance starting at $275. This policy lasts for 1 to 3 days and provides essential coverage for alcohol-related claims against your bartending business.
How Do I Get a Bartender Insurance Quote?
- Determine if you need an annual policy or a short-term event policy
- Provide your location and gross sales
- Select your limits
- Choose your start date
- Provide business information
- Enter payment
- Submit your application!
Your policy can go into effect immediately or on the date you select. Plus, you can access your documents via the user portal at any time.
Find out more about what you’ll need to become a licensed and insured bartender.
Get Coverage for Your Bartending Business Today
You can serve your customers with confidence when you have bartender insurance from Insurance Canopy. We’ll keep you covered so you can focus on mixing the best cocktails in town.
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