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Bar Insurance — Quotes from Top Carriers

Bar insurance protects your business from dram shop liability, assault and battery claims, liquor liability lawsuits, property damage, and loss of income when forced to close. 

Bars and taverns need liquor liability, assault and battery coverage, general liability, commercial property, and workers compensation at minimum. Pro Insurance Group has access to specialty markets that write coverage for liquor-heavy operations regardless of your sales ratio. 

Free quote — TYPICALLY within 2-3 business days

Most clients save their first year

We specialize in liquor-heavy operations. Compare rates from 20+ carriers for your bar, tavern, or nightclub. 

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or call 833-776-4671

 

Quick answer — what does bar insurance cost?

Most bars and taverns pay $5,000–$15,000 per year 

Your cost depends on square footage, annual revenue, hours of operation, whether you have live entertainment, your claims history, and your liquor-to-food sales ratio. Pro Insurance Group works with specialty markets that write coverage for liquor-heavy operations at competitive rates. 

  • Square footage and hours of operation
  • Annual revenue and liquor sales ratio
  • Live entertainment and late-night operations
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Essential coverages for bars, taverns, and nightclubs 

 Protect your business with specialized coverage built for liquor-serving establishments 
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Liquor Liability
Your most critical coverage

Also called dram shop insurance. Covers legal fees, medical costs, and settlements when a patron is over-served and causes injury or property damage. Illinois dram shop laws make this essential for every bar and tavern — one lawsuit without coverage can exceed $1 million. 

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General Liability
Foundation coverage required by landlords

Covers slip-and-fall accidents, food poisoning claims, advertising injury, and property damage caused by your business. Required by most landlords and lenders. The foundation of any restaurant insurance policy.
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Commercial Property
Protects equipment and inventory

Covers your building, kitchen equipment, dining room furniture, signage, and inventory against fire, theft, vandalism, and weather damage. Often bundled into a Business Owner Policy at a lower combined premium.

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Workers Compensation
Required — covers bartenders and bouncers 

Required in Illinois for businesses with employees. Covers medical expenses and lost wages when an employee is injured on the job — kitchen burns, slip-and-falls, and repetitive stress injuries.
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Business Interruption
Covers forced closure — fire, flood, or health order 

Replaces lost income when your restaurant is forced to close due to a covered event such as fire, flood, or equipment failure. Covers ongoing expenses including payroll and rent while you are unable to operate.

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Equipment Breakdown
Covers mechanical and electrical failure

Covers mechanical and electrical failure of your commercial kitchen equipment — walk-in coolers, fryers, ovens, and refrigerators. Pays for repair or replacement and lost income during downtime.

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Food Contamination 
Covers spoilage and contamination losses 

Covers costs when food spoilage or contamination forces you to close — product replacement, cleaning, and customer medical claims. Important for restaurants serving seafood, raw ingredients, or buffet-style food. 

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Assault & Battery 
Often excluded from standard policies 

Covers legal fees and settlements when a physical altercation occurs on your premises or parking lot. Standard general liability policies exclude assault and battery — bars must add this as a separate endorsement. Pro Insurance Group writes this into every bar policy. 

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Cyber Liability 
Protects your customer data and systems

Covers data breaches involving customer payment card information, POS system hacks, and ransomware attacks. Increasingly important as restaurants rely on online ordering, reservation systems, and digital payments. 

Why business owners choose Pro Insurance Group

We compare rates from 20+ carriers to deliver competitive quotes, expert guidance, and coverage you can count on.
I kept putting off reviewing our insurance — it felt like a hassle and I assumed we were getting a decent rate. Neal came back with savings of $2,650 a year for better coverage with a name-brand carrier. I was genuinely shocked. He made the whole process easy and I wish I had done it years earlier.
Google Review
★★★★★
I called Pro Insurance expecting the usual runaround. Instead, my agent actually took the time to understand our operation, pointed out coverage gaps our previous broker had missed, and had quotes in front of me within 24 hours. Lower premium, better coverage. It was that straightforward.
Google Review
★★★★★
We had been with the same carrier for years and assumed switching would be complicated. Pro Insurance handled everything — compared multiple carriers, walked us through the differences, and even helped us cancel with our previous provider. We are paying less and have more coverage. I recommend them to every business owner I know.
Google Review
★★★★★

Common questions

Frequently asked questions about bar insurance

Everything bar and tavern owners ask before getting a quote. Don’t see your question? Call us at 833-776-4671.

Do I need liquor liability insurance for my bar? +

Yes — liquor liability is the single most important coverage any bar or tavern can carry. Illinois dram shop laws hold establishments liable when an over-served patron causes injury or property damage to a third party. One claim without coverage can exceed $1 million. Pro Insurance Group writes liquor liability for bars of all sizes and sales volumes, including high-liquor-ratio operations.

How much does bar insurance cost? +

Most bars and taverns pay $5,000–$15,000 per year for a complete insurance package. Cost depends on your square footage, annual revenue, hours of operation, whether you have live entertainment, your liquor-to-food sales ratio, and your claims history. Pro Insurance Group works with specialty markets that write coverage for liquor-heavy operations at competitive rates.

What is assault and battery insurance and do bars need it? +

Assault and battery coverage pays legal fees and settlements when a physical altercation occurs on your premises or parking lot. Standard general liability policies specifically exclude assault and battery — bars must add this as a separate endorsement. Pro Insurance Group writes this into every bar policy by default because it is one of the most common claims bars face.

What are Illinois dram shop laws? +

Illinois dram shop laws (235 ILCS 5/6-21) hold bars, taverns, restaurants, and other alcohol-serving establishments liable for damages caused by an intoxicated patron they served. This means if a patron leaves your bar and causes a car accident, your establishment can be held financially responsible. Liquor liability insurance is your primary protection against these claims.

How fast can I get a bar insurance quote? +

Most bar insurance quotes from Pro Insurance Group are ready within 1-2 business days. To get started we need your business address, annual revenue, square footage, hours of operation, number of employees, and whether you have live entertainment or a dance floor. Fill out the form at the top of this page and an agent will contact you the same business day.

Does my restaurant qualify for bar insurance rates if I have a bar? +

It depends on your liquor-to-food sales ratio. If your bar sales are below 45% of total revenue, you likely qualify for restaurant insurance rates which are typically lower than bar rates. If your liquor sales exceed 45% of revenue, bar insurance rates apply. Pro Insurance Group will review your sales mix and find the most advantageous classification for your operation across our 20+ carriers.

Still have questions? Our bar insurance specialists are ready to help.

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