At T.A. Swain Insurance Agency, as an independent insurance agency, we understand the unique risks and challenges that come with owning and operating a bar or tavern. Our team of experienced insurance professionals is dedicated to helping you protect your business with comprehensive insurance coverage tailored to your specific needs.
This is crucial coverage for any bar or tavern owner. This coverage protects your business in the event that a patron causes injury or property damage as a result of consuming alcohol on your premises. With liquor liability insurance, you can be confident that your business is protected from costly lawsuits and legal fees.
Workers’ compensation insurance is another essential coverage for bar and tavern owners. This coverage provides benefits to employees who are injured or become ill as a result of their work. In the bar and tavern industry, employees are often exposed to hazards such as slips and falls, burns, and cuts. Workers’ compensation insurance helps ensure that your employees receive the medical care and wage replacement they need to recover and return to work.
A Business Owners Policy, or BOP, is a bundled insurance policy that combines several essential coverages into one convenient package. BOPs typically include property insurance, liability insurance, and business interruption insurance. This policy is an excellent option for bar and tavern owners who want comprehensive coverage without the hassle of purchasing individual policies.
An Umbrella policy provides an additional layer of liability protection for your business. This coverage kicks in when the limits of your underlying insurance policies have been exhausted. With an Umbrella policy, you can be confident that your business is protected against unexpected events and costly lawsuits.