News And Events

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110, 2014

What are the Different Types of Restaurant Insurance?

By |October 1st, 2014|Restaurant Insurance|Comments Off on What are the Different Types of Restaurant Insurance?

 

Running a restaurant comes with a long list of unique risks. Not only are you up against the fact that about 90% of all restaurants fail within their first year of being in business, but you also have a whole host of other risks to contend with.

For example, what happens if a patron has a couple of alcoholic beverages and then hurts himself or someone else? Your business could be held liable. Or what if a diner gets sick after eating at your restaurant? Again, you could be responsible. Or what if a pipe bursts and ruins all of your
furniture and equipment? You could lose everything!

That’s why it’s so important for restaurant owners to insure their businesses. The right restaurant insurance policy can protect your business investment on all levels – from covering your actual building and its contents to protecting your business against lawsuits from patrons.

Restaurant insurance is the […]

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1109, 2014

4 Insurance Tips for Bar Owners

By |September 11th, 2014|Bar & Tavern Insurance|Comments Off on 4 Insurance Tips for Bar Owners

As a bar owner, you are responsible for the safety of your patrons and your employees. If a customer has a little bit too much to drink and crashes his car on the drive home, your bar could be sued to the tune of millions of dollars.

If an employee gets hurt on the job, it’s your business that will have to pay. With so many potential risks, it’s absolutely essential that you take the right steps to insure your bar and protect your business interests.

Here are some key bar insurance tips every tavern owner should heed:

1. Get liquor liability insurance

Serving alcohol to customers comes with a laundry list of risks. A buzzed customer could get in a fight and hurt another patron. Or he could get behind the wheel of his car and cause serious damage or even death to himself or someone else. And […]

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509, 2014

How do I get Bar Insurance?

By |September 5th, 2014|Bar & Tavern Insurance|Comments Off on How do I get Bar Insurance?

Are you one of the estimated 65% of bars operating without the right bar insurance? If so, your entire business and livelihood is at stake. All it takes is one intoxicated patron to injure themselves, someone else, or property to land your bar in a lawsuit that could cost you everything. Needless to say, it’s just not worth the risk to not have bar insurance.

Of course, if you’ve never before shopped for bar insurance, getting started can be difficult.

How do you get bar insurance? Who should you trust to help you get the coverage you need to protect your bar? What kinds of questions should you ask your insurance agent?

Find an agent who specializes in the hospitality industry
 

The fact is that not just any insurance agent will be qualified to insure your bar. This is your livelihood at stake.

You want to make sure you’re working with an insurance […]

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209, 2014

What is Restaurant Insurance?

By |September 2nd, 2014|Restaurant Insurance|Comments Off on What is Restaurant Insurance?

The restaurant business is one of the most competitive businesses of them all.

It has been said that 9 out of 10 restaurants fail in their first year. That’s 90% of all restaurants! Needless to say, the odds are already stacked against you as a restaurant owner, and the last thing you need to do is put yourself in an even more precarious situation by not getting restaurant insurance.

Simply put, if you don’t have restaurant insurance, you’re at a huge risk for lawsuits, property damage, loss of income, and a whole host of other issues that could shut down your business.

What is restaurant insurance? Simply put, it’s a policy (or combination of policies) that provides special coverage to restaurant owners to protect their business.

A comprehensive restaurant insurance policy could protect your building and its contents in the event of damage or a loss, cover your income if you have […]

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408, 2014

What is Liquor Liability Insurance?

By |August 4th, 2014|Pub Insurance|Comments Off on What is Liquor Liability Insurance?

 

As a bar owner, you’re probably well aware of the risks that are inherent with serving customers alcohol. For example, a couple of intoxicated patrons may decide they want to fight each other, injuring themselves and innocent bystanders in the process. Or a patron that had one drink too many might refuse your bartender’s offer to call a cab and crash his car on the drive home. These are very real risks, and if your bar isn’t protected with liquor liability insurance, you could face serious lawsuits in these and other similar situations.

What is liquor liability insurance? Simply explained, it’s a special insurance policy that covers legal problems that might arise from patrons who are drinking legally at your bar, club, or restaurant. So, if those intoxicated patrons get in a fight and someone gets hurt, your bar is protected from a potentially bankrupting lawsuit. Same goes for someone crashing […]

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407, 2014

A Closer Look at the Different Types of Liquor Liability Insurance

By |July 4th, 2014|Pub Insurance|Comments Off on A Closer Look at the Different Types of Liquor Liability Insurance

 

Fact: If your business serves alcohol, you need a liquor liability insurance policy. You need protection in the event that a patron becomes intoxicated and hurts themselves or someone else as a result.

Without liquor liability insurance, you’re playing a very risky game, putting your entire business at risk as a single lawsuit could bankrupt you and shut your doors for good.

Unfortunately, 2 out of 3 businesses that should have liquor liability insurance don’t have it. While some opt to roll the dice because they don’t want to pay the premiums, others don’t have liquor liability coverage because they simply don’t understand it. Admittedly, bar insurance is a complex topic.

Of course, not all liquor liability insurance policies are the same. There are many different components of liquor liability insurance plans, and understanding what you need to look for in a liquor liability is essential to getting the […]

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506, 2014

What Type of Bar Insurance is Best for Your Business?

By |June 5th, 2014|Pub Insurance|Comments Off on What Type of Bar Insurance is Best for Your Business?

 

Being in the bar business comes with its own set of unique risks. Imagine if an intoxicated patron decides to start a fight, injuring himself and some innocent bystanders in the process. Or what if a bartender over-serves a customer and that leads to injury? Or what happens when an intoxicated customer refuses to get in a cab and gets in a car accident on the way home? The risks are endless, and the only way to protect your business is with the right bar insurance policy.

While you might already have general commercial liability insurance for your bar, the fact is that it’s woefully inadequate. While it might offer a basic level of protection, it won’t cover property damage of physical injuries that occur as a result of an intoxicated patron.

That’s why it’s important that you invest in a bar insurance policy that’s specifically designed to protect you against the […]

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605, 2014

Bar Insurance 101: How Bar Insurance Can Help Your Business

By |May 6th, 2014|Pub Insurance|Comments Off on Bar Insurance 101: How Bar Insurance Can Help Your Business

 

When you own a bar, there are lots of different things that can go wrong. From buzzed patrons who insist on starting a fight, leading to property damage and injuries, to employees with sticky fingers who may try to rob you blind, the risks of running a bar are numerous and very real.

That’s why it’s so important that you take the necessary steps to protect your business by making the smart investment in bar insurance.

What is bar insurance? While there are many different types of bar insurance, all of them provide a special type of coverage to protect bars from various losses and damages.

Bars, pubs, taverns, sports bars, wine bars, and other establishments that serve alcohol to patrons need to be insure, because all it takes is one incident and one lawsuit to bankrupt your bar and shut it down for good.

Bars Need More Than Just […]

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502, 2014

3 Things to Look for when Choosing a Liquor Liability Insurance Policy

By |February 5th, 2014|Pub Insurance|Comments Off on 3 Things to Look for when Choosing a Liquor Liability Insurance Policy

If you own a bar, pub, tavern, nightclub, restaurant, liquor store, or any other establishment that manufactures, sells, or distributes liquor, your business needs liquor liability insurance. This very important insurance can protect your business against losses or damages that occur as a result of one of your patrons getting intoxicated and harming themselves or someone else.

Of course, this type of business insurance is vital, but it can also be confusing. Liquor liability insurance policies can vary greatly from one provider to the next, so it’s important that you understand what your policy should contain.

Here are 3 important things you need to look for when choosing a liquor liability insurance policy:

Assault and battery—Alcohol and fights go hand in hand. That’s why it’s important to make sure that your liquor liability insurance policy includes coverage for assault and battery claims. These are the most common claims against bars, taverns, pubs, etc., […]

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510, 2013

What You Need To Know Before Getting Texas Bar and Tavern Insurance

By |October 5th, 2013|Pub Insurance|Comments Off on What You Need To Know Before Getting Texas Bar and Tavern Insurance

If you own a bar, you have to get bar insurance. There’s no way around it. But choosing the right business insurance for your bar, tavern, pub, nightclub, wine bar, or other drinking establishment requires careful consideration and planning. It all starts with making sure you have the right information on hand to get setup with the right Texas bar insurance plan for your business.

With that in mind, here are some of the things you need to know before getting bar and pub insurance.

 

The value of the property and its contents—Imagine your bar just got destroyed overnight. What would it cost to replace everything? That includes the building, furnishings, beverages, coolers, point of sale systems, and everything else on the property. You need to know this figure.
The percentage of bar sales that will be alcohol—You’ll need to provide your insurer with evidence of your bar’s sales. In most […]

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Daniel P, Restaurant Owner

It’s great doing business with a company that has several options. After shopping around a bit, they just seemed to know what they were doing. Glad I made the right

Sara M, Bar Owner

The guys at Food and Beverage Insurance Agency have covered my restaurants for years. I've had a few claims arise and they were prompt to put out the fires. Keep up the great work!

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