Bar, Tavern & Nightclub Insurance


In addition to offering restaurant insurance , Atlantic Agency offers professional solutions for bar, tavern and nightclub insurance. All establishments in the hospitality and nightclub industries need to have adequate insurance to stay protected. We work with your business to meet all of your needs at a price that you are comfortable with.

Whether we are insuring the neighborhood tavern, a martini bar or good old-fashioned brewpub, we will find your the best coverage for your needs. In order to meet your specific needs, we will evaluate your policy in the following areas.

General Liability

Family-owned businesses are the backbone of the American economy. As a family-owned business ourselves, we understand the importance of creating a solid base for sustainable company growth. Our specialized agents will tailor a general liability program specific to your business. Here are some of the coverages that we will discuss with you:

  • General Liability Occurrence $1,000,000
  • General Aggregate $2,000,000
  • Assault and battery at $50,000/$100,000 (higher limits available)
  • Medical Payments
  • Employment Liability
  • Workers Comp or Stop Gap Coverage
  • Hired, Non-owned or Borrowed Auto Coverage

Liquor Liability

Liquor Liability Insurance is an important component of the policy of any business serving alcoholic beverages. This coverage protects you against damages caused by patrons who consume alcohol at your establishment, and then cause injury or damages to others.
Liquor Liability is essential to prevent devastating situations in which often result in a major loss. Policy limits are commonly set at $1,000,000 and we can add additional layers depending on your situation.
Many competitors will exclude Assault and Battery under the liquor liability form. In most instances we include Assault and Battery at tiers of $50,000 and $100,000 (higher limits are also available upon request).

Property and Asset Coverage

The contents of your building and property need to be covered in case of an accident.

  • Building – Cover physical loss caused by unfortunate events such as fire.
  • Contents – Protect the contents of your building in the case of loss due to fire, broken pipes or other covered events.
  • Business Income/Lost Income – Cover your losses due to covered events
  • Equipment Breakdown – Protect your equipment against power surges, mechanical breakdown, burnout or employee error.

Peace of mind has no price. We will work with our network of over 30 insurance providers to provide you customized solutions for your bar, tavern and nightclub. Some special asset coverage options are:

  • Building Glass
  • Computer Equipment
  • Outside Signs
  • Food Spoilage
  • Others

Business Umbrella Liability

An umbrella policy is a liability insurance that provides additional coverage to your business beyond the limits of your existing business liability coverage. Sometimes life throws the whole kitchen sink at your business, you need to be prepared for those unexpected situations. Umbrella or Excess Liability policies begin when the limits of all other policies is used up, often in situations in which an accident results in a loss of life or other major injury or damage. If the victims sue, is your business ready to cover large settlements?

We will review with you whether your business qualifies for umbrella liability, which starts at limits of an additional $1,000,000. This type of coverage often provides savings to businesses that consolidate separate policies under a single insurance provider.

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