Bars, Pubs, and Night Clubs Insurance

Insure Your Bar with Us and Serve Your Customers with Peace of Mind!

You have already invested your time and money into building your bar, and now it is time to ensure it is adequately protected when the unexpected happens. At GrayStone Insurance Group, we know what it takes to protect your bar, and our bar insurance policy is designed to cover you against a wide range of liabilities, such as reputational harm, property damage, and more.

Contact us today to get the coverage you need to protect your liquor business!

Bars and Pubs Customized Coverage

Cover Your Bars and Pubs with Our Customized Coverage

Like restaurants, bars and pubs are also exposed to various risks that demand unique coverage. That is why we offer comprehensive bar liability insurance that can be customized with multiple coverage options depending on the needs and exposures of your business.

Here’s what we have to offer for your bars, pubs, and nightclubs.

Bar Pub General Liability Insurance

General Liability Insurance

It protects your bars and pubs against claims related to

  • Customer Injuries – Covers customers’ medical expenses, funeral expenses (in fatal incidents), and legal costs if your business is sued
  • Customer Property Damage – Pays for the damage you cause to customers’ property
  • Advertising Injuries – Covers charges related to defamation, copyright infringement, slander, and libel

Liquor Liability Insurance

It protects your bar against the following liabilities caused by an intoxicated or over-served patron:

  • Physical injuries
  • Non-physical violence
  • Assault
  • Property damage

Assault and Battery Liability Insurance

It covers your bar against the claims of:

  • Bar fight injuries
  • Mugging
  • Sexual harassment and assault
  • Troubles caused by unwanted guests
  • Physical conflicts

Product Liability Insurance

If your customer gets sick because of the drinks you served, you may be held responsible for the resulting illnesses and will have to pay for their medical expenses and related lawsuits. However, with our product liability insurance in place, you can cover yourself against such unfortunate financial mishaps.

Garage-Keepers Liability Insurance

This policy is essential if you provide valet service to your customers. It covers loss or damage to your patrons’ cars while they are on your premises.

Commercial Auto Insurance

Commercial Auto Insurance

It protects your business-owned vehicles in the event of at-fault accidents by covering:

  • Legal fees (if you are sued)
  • Medical expenses incurred by an injured third party
  • Replacement costs of your vehicle
  • Accidents caused by uninsured/underinsured motorists

Workers’ Compensation Insurance

While protecting your business from employee-related claims and lawsuits, this policy pays for the following expenses incurred by your employees (bartenders, servers, and caterers) if they are injured at work:

  • Medical expenses
  • Ongoing care costs
  • Disability expenses
  • Lost wages
  • Death benefits (in fatal accidents)

Business Owners Policy (BOP)

Bars with expensive personal property and higher exposure to liability claims can benefit from our BOP policy. A standard BOP combines property coverage, general liability coverage, and business income coverage in one package.

  • Damage to business property (inventory, kitchen equipment, and buildings you own)
  • Customer injuries and property damage
  • Advertising injuries (libel and slander)

We Are Your Hospitality Partner for Life!

We specialize in writing best-in-class policies for high-risk businesses like bars, pubs, and nightclubs. With us by your side, you can grow your business without worrying about unexpected incidents. As your trusted insurance partner, we aim to provide fully-scalable insurance solutions that ensure unmatched protection for your bars, pubs, and nightclubs.

To get started on a personalized yet affordable bar insurance policy, contact us today at info@graystonetx.com or call us at 866-988-3709.