At the end of a long day, some people prefer nothing more than to head to their local bar and spend the evening drinking and unwinding. Though bars and taverns promote a relaxing atmosphere for their patrons, they are still prone to hazards and injuries. For this reason, these establishments require bar and tavern insurance in order to secure protection from damaging liability clams.
How Insurance Protects Bars and Taverns
A bar is vulnerable to liability claims in several ways. Customers, especially ones who have ingested too much alcohol, may injure themselves and choose to file a claim against the establishment. If an individual succumbs to food poisoning, the bar could also be held liable. An endless number of situations could lead to a claim and eventually a lawsuit. When bar owners acquire insurance, they protect their businesses from financially draining lawsuits.
Types of Coverage
Bar and tavern insurance includes several types of protection, including:
- General liability insurance
- Assault and battery insurance
- Liquor liability insurance
Each of these forms of coverage is essential for bar owners to have for their business. Insurance agencies work with owners to craft policies that provide their establishments with the most steadfast form of financial protection.
Bars are adept at providing people with a fun, relaxing experience, but they are still locations where accidents and injuries can occur. Bar owners can keep their establishments safe from liability claims by securing bar and tavern insurance.