Bar Insurance in Texas


If you own a bar, pub, or other establishment with a liquor license you know that you are in a unique situation. Your business is not like others; you have to be a part of different guidelines and expectations in order to keep your license. Because of this, regular insurance just will not cut it. You need specialized services that will work for you and your business.

Pubs, wineries, bars, and restaurants with liquor licenses are very different than other establishments. There are many different regulations and rules that they must follow in order to keep their doors and open and keep their liquor license. Whether you own a bar in the city, a lounge bar, and Irish pub, or an Italian restaurant that serves wine; you need specialized insurance to protect yourself, like Liquor Liability Insurance.

Why is Bar and Pub Insurance Different?

Why? Take into consideration for following situation: A man drinks several beers at your establishments and staggers out the door fairly intoxicated. Minutes later the man gets into his car and drives down the highway, causing an accident only miles from your establishment. Did you know that your establishment can actually take liability for that accident?

In fact, some bars, taverns, pubs, and restaurants have been sued in the past for intoxicated patrons causing accidents or property damage later in the night after leaving. Specialized insurance will help cover these types of accidents, something that regular insurance just cannot do. Yes, owning a bar can be a delightful experience, but being stuck with large claims is not. Protect yourself by finding the right insurance policy that can help you.

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What Should I Look for In Bar and Pub Insurance?

There are many different kinds of insurance protection for bars and other liquor license holding establishment.

Not having the right policy and coverage can cause something important to be overlooked. Anything overlooked can put you, your business, your employees, or patrons in trouble.

It is important to understand some of the options you have for policies:

Protect your building, land, and other things you own with this type of insurance. This type of insurance can also cover specialty items like slot machines, custom bar stools, pool tables, lounge furniture, inventory, perishable food supplies, and other items. This type of coverage often covers not only damages done by patrons such as theft, fire, or vandalism. You can also purchase extra coverage for “acts of God” such as earthquakes and floods.
If you rent or hire vehicles to safely drive patrons home; this insurance will protect you if damage happens to those vehicles.
This insurance covers you against lawsuits for accidents, fights/attacks, or even things like food poisoning.

Of course, these are only three of many different insurance options you have to protect yourself and your business. Always talk to your agent about what is the best option for you.

How to Pick the Right Agent for Texas Bar Insurance

When picking insurance it is important to have an agent that understand your unique situation. Find an agent that seems knowledgeable in the type of business you run and has previous experience finding insurance and proper coverage for your type of business.

You may want to look for someone who is employed by an insurance company that specifically finds the right insurance for your type of business. When dealing with a bar or pub it is important that your agent understands the ins and outs of your business, expectations, and the laws that govern you. Never go with an agent that does not seem to have your best interest at heart or that does not seem to have proper experience.

The FNBIA Difference

Are you ready to see the difference? The Food and Beverage Insurance Agency is a professional insurance agency that is renowned for their work in restaurant insurance.

Skilled agents take a personal interest in the success of your business and strive to help you financially gain, even in the event of an accident. By choosing insurance through FNBIA you will have friendly and dedicated professionals at your service, customized insurance for your Texas based restaurant.

Are you ready to learn more and experience the FNBIA difference? For more information or to get a Texas bar insurance quote call 713-481-4494 today.