Your business property goes beyond your building and contents. Our specialized hospitality insurance may also cover business interruption, food spoilage, sewer, and drain backup, lost business income due to utility failure, equipment breakdown, signage, employee crime, high-value art, and more. Our Business Owners Policy for restaurants, bars, pubs, and taverns is an affordable (BOP) with one of our A rated admitted insurance companies. This policy covers common perils, including fire, vandalism, storm damage and broken pipes. It may also cover, or give the option to cover, flood, sprinkler leakage, and the extra expenses associated with a business shutdown due to a covered loss.
Liquor Liability Insurance
Any establishment that sells, serves, or assists in the purchase or use of liquor (i.e. dram shop) opens its doors for a liability claim as a consequence of someone getting drunk to the extent that injuries or property damages are the result. This includes restaurants, bars, nightclubs, and taverns. While it’s logical that the inebriated person should be the one to pay, in reality the business that served the alcohol could be liable for injuries, damages, or both that occurred as a result of actions, behaviors, or conduct of a patron who drank too much.