recommended insurance for taverns that owners should have

RECOMMENDED INSURANCE FOR TAVERNS THAT OWNERS SHOULD HAVE

Recommended Insurance for Taverns That Owners Should Have

As a bar owner, inviting regular customers can be exciting and fun, but there arealso risks that come with ownership. It is why you need to have Insurance forTaverns to be protected against a number of things that can happen within yourbar. Here are just a few.

General Liability Insurance - Having a general policy that covers against the littlethings that are often overlooked is always a must for any business owner,especially at bars, taverns, and nightclubs. There are so many things you can doto take necessary precautions against potential lawsuits. Taverns are usuallysoftly lit, so mark off any changes in elevation and steps so people can safelynavigate their way around the bar.


Make sure all fire exits are clearly labeled. Make sure bar stools and tables arechecked for stability and that no guests climb on this furniture. Even outside ofyour bar, you need to protect against possible slip and fall injuries, which canoccur on your property as the result of impairment. Keep the parking lot andsidewalks repaired and free of cracks and potholes. Make sure the sidewalks areclear of any snow and ice. Have security monitors on the inside and outside ofyour establishment. Also, document any activity that happens with bouncersworking at your bar. Bouncers can be subject to personal injury suits if the injuryoccurs on the premises of your bar.

Liquor Liability Insurance - “Liquor liability insurance is defined as coverage forbodily injury or property damage caused by an intoxicated person who wasserved liquor by the policyholder,” according to the Insurance InformationInstitute (I.I.I.).Oct 7, 2013.


Business owners need to make sure they have a procedure in place to check theage of everyone who enters the tavern. The employees you hire should bespecifically trained to identify customers who have been served too much andare intoxicated, allowing them to follow procedures where they deny thecustomer service. You can also offer programs encouraging patrons to usedesignated drivers or offer a free taxi or shuttle service to keep people off theroads.

Business Property Insurance - Every business needs to have business propertyinsurance to protect the assets within the building. This is especially true for barsand taverns. If your bar serves food, you can be protected against damagessustained should a fire break out and spread. This can also protect your tavernagainst theft, something that can happen frequently in bars and taverns.


Start working with XINSURANCE by calling them at 877-585-2853 or sending anemail to [email protected], and they will start to go to work for you to get youunique and specialized coverage.

Having insurance for taverns is an absolute necessity as a bar owner. You want tobe protected from various incidents and accidents that can occur in any place ofbusiness, but especially one that serves food and drinks to many differentpatrons each day and is open for long and late hours.

With XINSURANCE, you can get a customized policy that fits your business andhelps to keep your tavern protected from these potential incidents. With over 30years of experience in helping businesses of all kinds and providing specializedinsurance, XINSURANCE has a team of experts that puts your needs first andworks tirelessly to get you coverage.


Add: 8722 S Harrison St, Sandy, Utah,84070

Phone: 877-585-2853

Email: [email protected]

Website: www.xinsurance.com

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