Mobile Bartender Insurance
High-quality liability insurance for mobile bartenders
*Prices vary by state
A+ Rated, Affordable Mobile Bar Insurance
Protect your mobile bartending business from third-party claims with liability insurance from Insurance Canopy. If you sell or serve alcohol, we offer the coverage you need to safeguard your business.
The Best Insurance for Mobile Bartenders
We’re proud to be an A+ rated insurer! With general and liquor liability, Insurance Canopy provides mobile bartenders with comprehensive insurance that covers the common risks that come with the job.
You can also customize your policy with optional add-ons to fit your business needs.
Essential Liquor Liability Coverage
Depending on your local dram shop laws, you could be held liable for accidents caused by the customers you serve, especially those who are visibly intoxicated or underage. Mobile bartending insurance can mitigate or eliminate your financial responsibility for alcohol-related claims.
Mobile Bartending Insurance Coverage Details
*Pricing varies depending on limits selected.
Liquor Liability Insurance 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 Mobile Bartender Insurance?
Mobile bartender insurance protects you from claims that arise from serving or selling alcohol. This includes those who operate a freelance, private, personal, or traveling bartender business.
If you accidentally overserve a customer or sell alcohol to a minor, you could face legal fees, judgments, medical bills, and repair costs. Mobile bartending insurance shields you and your business, so you aren’t stuck paying thousands of dollars out of pocket.
What Does Mobile Bartending Insurance Cover?
Our insurance for bartenders includes general and liquor liability coverage, so you have protection from all angles. This comprehensive insurance covers the most common risks that come with running an alcohol-related business.
Don’t let the risks of running your business drain your financial resources. Insurance Canopy provides liability insurance that protects you from claims like:
- Accidents involving customers you served alcohol to
- Customers getting injured as a result of your business operations
- Property damage caused by your business or by an intoxicated customer
- Fights or threats taking place between patrons
How Much Does Liability Insurance for Mobile Bartenders Cost?
General and liquor liability insurance starts as low as $35.42 a month or $550 a year. Our short-term policies start at $275 for a 1–3 day event.
Your final cost can vary by state, gross business income, and the optional coverage you select.
Why Do I Need Insurance for My Mobile Bartending Business?
Mobile bartender insurance picks up where general liability leaves off, covering claims related to serving alcohol. If an intoxicated customer injures somebody or causes property damage, you could be held financially responsible for the resulting costs.
As a business that sells or serves alcohol, you need liquor liability insurance to protect your financial well-being. A single incident can be extremely expensive, but your insurance can absorb some or all of the cost.
Questions About Mobile Bartending Business Insurance
What Claims Are Covered By Mobile Bartender Insurance?
Mobile bartender insurance includes general and liquor liability coverage.
General liability insurance protects you against third-party bodily injury, property damage, and advertising personal injury claims that arise from your business operations.
Liquor liability coverage protects your business from claims that arise from accidents caused by individuals you serve alcohol to, especially those who are visibly intoxicated or minors.
Here are some common mobile bartender business claims examples:
- An inexperienced mobile bartender served a patron three beers and three shots over a few hours. The customer then stopped at an attached liquor store and purchased a half-pint of whiskey. On the way home, the patron caused a head-on collision with another car, seriously injuring both drivers. The case was settled for $200,000.
- At a wedding, a freelance bartender served a guest 11 alcoholic beverages throughout the evening. The intoxicated woman got behind the wheel and struck a pedestrian who died from their injuries. The family sued and won a $900,000 settlement.
- While celebrating St. Patrick’s Day at the bar, a customer became increasingly drunk and belligerent. A bouncer had to forcefully remove him from the premises, causing the man to hit his head on the pavement and suffer a concussion. He won a $443,137 settlement against the bartender and establishment.
What Type of Insurance Does a Mobile Bartender Need?
In addition to general liability insurance and liquor liability insurance, your mobile bartending business may need one or more of the following insurance coverages:
- Inland marine insurance (tools and equipment)
- Cyber liability insurance
- Professional liability insurance
You can also customize your policy to cover you at weddings, parties, events, and more. It’s important to get coverage prior to your bookings to ensure you have the protection you need.
What Factors Affect the Cost of Mobile Bartender Insurance?
The final cost of your insurance depends on a few key factors, including:
- How much your business makes
- Which optional coverages you add
- Where you operate
- The nature of your business
- Claim history
Can I Get a Quote for Mobile Bartender Insurance Online?
Yes! Just follow these steps to get your free, instant online quote:
- Go to the mobile bartender insurance application
- Fill out your business information
- Select your coverage options
- View your quote and enroll!
How Do I Choose the Right Insurance Policy for My Mobile Bartending Business?
When choosing mobile bar insurance, you need to consider how many events you participate in per year.
If you only work a few, then you probably just need a 1-day bartender insurance policy. On the other hand, if you operate year-round, an annual policy saves you money since it covers unlimited events.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Cover Your Freelance Bartender Business With Insurance Today
Enjoy peace of mind and build trust with your customers by being a licensed and insured mobile bartender. Serve responsibly at each event you book with mobile bartending insurance.
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