Bar Insurance in Dallas-Fort Worth, Texas

Bar Insurance in Dallas-Fort Worth, Texas

Owning a bar can be a very rewarding, hands-on investment experience. It can also be a tremendous source of stress if you are not properly insured against all potential perils.

Because bars need a liquor license and are charged with the responsibility of assessing the sobriety of customers while serving them, a lot of factors go into deciding how much insurance an establishment must carry.

Basically, every bar insurance policy is different. The cost varies greatly from establishment to establishment, depending on the size of the seating capacity and the variety of the drink menu. Liability insurance is essential for a liquor establishment, and you'll need to cover both general liability and liquor liability.

A general liability policy protects your business against claims or suits by third parties (including patrons) for bodily injury or property damage they sustain on your premises. The average cost for liquor liability insurance is between $900 and $1,200 per year, although the final rate will depend on the limit and deductible you select.

A general liability policy projects to cost between $3,000 and $5,000 per year. By investing in bar insurance, you will be protected against lawsuits, property damages, and other risks specific to the food industry such as:

  • Third-party general liability claims and lawsuits
  • Loss of inventory or food spoilage
  • Equipment malfunction

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If you have a successful bar in Dallas-Fort Worth, don't let a lawsuit or mishap drain your financial resources. Contact the experts from Team Pryor Group to get the best insurance option available at a customer-friendly price.

Reasons You Need to Insure Your Bar in DFW

As the owner and operator of a bar, you bear the risks and reap the rewards of your efforts. To safeguard your investment, there are a variety of reasons why you need bar insurance. Among them:

  • Insurance protects your equipment against theft, damage, or loss
  • Liability insurance gives you a layer of defense against bodily injury claims and property claims
  • It helps you meet franchisor insurance requirements
  • It protects you if your food or products were to make a customer ill
  • It provides peace of mind

In some cases, establishments that serve alcohol can have a full-liquor liability program with limits up to $1,000,000 packaged with their General Liability and Property insurance. Equipment breakdown & food spoilage contingencies also are available.

Team Pryor Group Has Got You Covered with Bar Insurance

Every business owner takes a risk by opening his or her doors. Bar owners, meanwhile, assume additional risks by serving alcoholic beverages to customers once their doors are open. That translates to more potential liability risks for a bar owner than a typical business owner, which is why every bar owner needs to be well-insured. To protect your bar against equipment failure, food spoilage, third-party liabilities and much more, be sure to contact Team Pryor Group online or give us a call at 214-932-1718. We can direct you to the perfect policy options needed to run a successful bar with minimal risk in Dallas, Fort Worth, Arlington, Plano, Grapevine Frisco or some other Metroplex location.

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