Fast, affordable
bar insurance.
+ 100 MORE
How Casey works.
01
Tell us what you do
One conversation, in plain English. A specialist takes time to learn about your business, tell you what coverage you need, and build the application for you.
02
We shop the market
We compare more than 100 insurance companies and get quotes from the ones that fit your business best. No gaps, nothing you don't need.
03
Matched at the best rate
Compare real quotes side by side and bind the one you want. From then on we handle certificates, claims, and every renewal.
How much does bar insurance cost?
Market benchmarks, not quotes or guaranteed prices. Your premium depends on carrier underwriting.
Liquor Liability
$170–$500/mo
General Liability
$100–$300/mo
Property & Business Interruption
$120–$350/mo
Workers' Comp
$150–$500/mo
What bar insurance covers.
Bar insurance is a combination of policies. Which ones you need depends on your alcohol sales, your hours, and your venue.
Tell us about your venue and we'll put together the right ones.
01
Liquor Liability
Your GL excludes alcohol claims when you profit from alcohol — this is the line that responds instead. In most states, dram shop laws make you liable for what a patron does after leaving, so this is usually your biggest premium.
When it matters: a regular closes out, drives off, and hits someone three blocks away.
02
General Liability
Everything that isn't alcohol — the slip on a wet floor, the barstool that gives out, the delivery driver hurt on your premises.
When it matters: a barstool gives out mid-shift and a guest hits the floor.
03
Assault & Battery
Many GL and liquor forms quietly sublimit or exclude bar fights — the exact claim bars actually see. We confirm the form covers it in full before you bind, not at claim time.
When it matters: two guests trade punches and both lawyers name the bar.
04
Property & Business Interruption
Your build-out, coolers, sound system, and inventory — and the revenue that stops when you're closed. Replacement cost matters: a depreciated payout won't rebuild your bar.
When it matters: a burst pipe floods the place and you're dark for a month.
05
Workers' Comp
Kegs, wet floors, kitchen burns, and late-night incidents. Required in nearly every state once you have staff — part-time and door staff included.
When it matters: a barback herniates a disc hauling kegs up from the cellar.
Why bar owners stay with Casey.
Casey is an independent insurance agency, which means we work for you, not an insurance company. We compare coverage and rates from more than 100 carriers to find the right fit for your business. Our technology takes care of the busywork, so quotes, certificates, and policy changes happen faster and your dedicated agent has more time to focus on you.
Claims advocacy
When something goes wrong, your broker works the claim on your side — not the carrier's.
Re-shopped every renewal
Most renewals are defensive. Ours aren't — we work the market ahead of time so the best terms find you every year, automatically.
Certificates, instantly
Self-serve COIs the moment a job site or landlord asks. No calling, no waiting, no office hours.
Bar insurance, answered.
What happens after I submit?+−
A licensed specialist will get in touch within a few minutes, take the time to learn about your business, and advise you on what coverage you need. From there, we shop the market to find the insurance company with the best value for you.
How much does bar insurance cost?+−
More than most hospitality businesses, because of the liquor exposure. Liquor liability alone often runs $2,000–$6,000 a year; your alcohol percentage of revenue, hours, and claims history drive the total — we shop 100+ carriers so you see the real number.
Does general liability cover bar fights?+−
Often not — many GL and liquor liability forms exclude or sharply sublimit assault & battery, which is the claim bars actually see. It's the first thing we check on any bar form before you bind.
Is liquor liability legally required for a bar?+−
In many states your liquor license authority requires it, and most landlords require it in the lease regardless. It's not optional in practice either way: your GL excludes alcohol claims, and dram shop laws extend your liability to what patrons do after they leave.
I got non-renewed or declined. Can you still place me?+−
Usually, yes. Standard carriers have been pulling back from bars and late-night venues — we submit to specialty markets that write bars on their own terms. Expect questions about security, hours, and your claims history.
Let's get started.
Send in your details and a licensed professional will be in touch shortly. Prefer to talk now?
In a hurry? Call (513) 866-3655