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What Insurance for the Bar or Private Bartender?

Insurance Coverage for Bars

Anyone in the insurance industry will not dispute the fact that property and liability insurance for a bar service is hard to place. This is due to associated risks, record of losses, and the type of clients serviced.

RELATED: When the liquor-serving party host is liable for damages

A bar can be situated in city localities where crime is commonplace. Likewise, a bar can be located in isolated spots in the countryside where thieves will be attracted to the stock of alcoholic drinks as well as the daily accumulated revenue in the register.

Bars that still allow smoking face an exposure to explosions – given the potential mix with alcohol.

Liability risks include general concerns, significantly heightened due to the possibility of liquor induced impairment of judgement.

Coverage can include:

  • Slips and Fall Liability within the premises, as well as in the parking lot

  • Liability incurred from any attractions, such as dancing, live entertainment, contests, tournaments, and so on

  • Liquor Liability as per individual state law

  • Product Liability for food products sold, served or distributed


Insurance Coverage for a Private Bartender

Individual bartenders who are hired for an event, such as a wedding, corporate affair, or any other social gathering can be sued for damages caused by someone who causes a car accident or hurts someone due to impairment from the alcoholic beverages you served.

A temporary Liquor Liability policy is an essential insurance for any bartender that serves at a special occasion. It  can pay associated costs in the event of a covered lawsuit: legal fees, settlements and medical expenses.


For a no-obligation conversation about insurance for the bar and/or private or mobile bartender, give us a call here at Prime Insurance



PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at Prime [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: Bars and bartenders face the possibility of third-party liability in the event of a lawsuit associated with an accident, damages, injury or death. Prime Insurance lists essential information about related coverage here. 


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