Bars & Taverns
Running a bar or tavern can be a very rewarding endeavor, but it does come with a unique set of risks.
In today's highly competitive market, every little advantage can make a big difference in your establishment's success. That's why Oxford created our Bars & Taverns Program. From local dive bars to nationally recognized nightclubs, the Bars & Taverns Program can be tailored to fit your needs and budget.
The program includes:
Property (Contents & Buildings)
Business Income & Extra Expense
Liquor Legal Liability
General Liability / Bodily Injury Protection
Umbrella / Increased Liability Coverage
Employee Dishonesty / Crime
Business Income & Extra Expense Insurance
If you're closed for business, you still have to pay the bills – employees, rent or mortgage, suppliers, taxes and yourself. A force outside your control may interrupt your business continuity strategy and cause you to close your doors for a time, including fire, hail, wind storm, vandalism, and equipment damage. Business interruption insurance keeps your business from closing its doors due to unexpected events.
Liquor Legal Liability Insurance
Any establishment that sells, serves, or assists in the purchase or use of liquor is subject to a liability claim as a consequence of someone getting drunk to the extent that they cause injuries or property damages. While it might not be the direct fault of the bar, your business could be liable for injuries, damages, or both that occurred as a result of actions, behaviors, or conduct of a patron who drank too much.
Assault and Battry Coverage
A good deal of alcohol-related liability claims filed against bars, taverns, and restaurants are a result of liquor-induced altercations. The mere act of an employee escorting an unruly patron off the premesis is frequently all that's needed to trigger an assault and battery allegation. Therefore, assault and battery coverage should be included in your bar's liability policy. Additionally, litigation costs, including the fees to retain an attorney and court costs are covered under a this liability policy.
See What You Could Save
Get a quote by calling us at 631-434-6666 (NY) or 215-517-7590 (PA) and learn more about commercial insurance through Oxford Millin’s Bars & Taverns Program.