Any company that serves alcohol has specific needs in regard to insurance coverage. Property insurance, general liability insurance, liquor liability insurance, and assault and battery coverage are all essential insurance programs for sports bars. In addition to those requirements, some sports bars also need commercial auto liability coverage and a worker’s compensation policy. While it might seem as if any business insurance policy would cover each of these things, it’s not that simple. Many coverage options will handle the general liability area but may only offer one or a few of the other needs.
General liability coverage is what protects you against claims of property damage or bodily injury of patrons or others while in your establishment. Adding on liquor liability covers any allegations relating to service or sales of alcohol. This is not included in most liability plans, so it’s important to be sure it’s available to you. As far as assault and battery coverage, this keeps you safe if a patron is injured by an employee of the bar while causing a scene. This is often not a part of either type of liability insurance but is vital in any atmosphere where people will be drinking. Make sure you’re protected no matter what happens by investing in insurance programs for sports bars.