Serving the general public food or beverage opens you up to various liabilities, especially if you’re serving alcohol. Bar owners have to be especially careful. Fortunately, bar and tavern insurance policies are comprehensive to protect you in these three ways.
1. Patron Injury
If someone is injured anywhere on your property, insurance helps pay for any accrued medical costs should he or she file a claim. This could be because of a slip and fall incident or a fight with another patron or security personnel. Additionally, insurance covers the costs for any repairs to your establishment.
2. Drunk Driving Accidents
If a patron leaves your bar and causes a wreck that results in serious injury or death, the blame often comes back to the serving establishment.
Bar and tavern insurance, coupled with liquor liability, protects you from hefty fees.
3. Food Poisoning and Allergy
If a customer files a claim because of an illness or allergic reaction caused by food served at your venue, bar and tavern insurance helps cover the investigation. It also covers any legal costs and medical bills.
Ultimately, having an insurance policy for your bar or tavern only serves to protect you, your customers and your business from various claims. It will keep your establishment the favorite place in town.
