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What is bar and pub insurance?

So, you’re running a bar or pub in Canada – awesome! But let’s be real, it’s not all about pouring pints and playing the latest tunes. Owning a bar means you’re on the hook for all sorts of unexpected stuff. That’s where bar and pub insurance comes in. It’s basically a safety net for your business, covering you when things don’t go as planned, whether it’s a customer slipping on a spilled drink or a little too much excitement leading to some damage.

What does bar and pub insurance include?

Insurance can feel like a bunch of jargon, but here’s the deal on what your bar or pub coverage usually includes:

Recommended add-ons for bar and pub insurance coverage

Want to make sure you’re really covered? Here are a few extra options you might want to think about:

Common types of bar and pub insurance claims

Here’s a peek at the most common claims you might deal with in the Canadian bar scene:

How much does bar and pub insurance cost in Canada?

So, how much is this going to set you back? Well, it depends on a bunch of factors – where you’re located, how big your space is, the kind of coverage you want, etc. On average, you’re looking at anywhere from $1,000 to $6,000 a year. It’s not exactly pocket change, but compared to what you’d pay out of pocket for a big incident, it’s well worth it.

How to get the cheapest bar and pub insurance rates

Want to save some cash? Here’s how you can get the best bang for your buck:

Bar and pub insurance in Canada: What you need to know

Running a bar in Canada comes with its own set of challenges – especially when it’s 40 below, and you’re trying to keep those doors open!

Your questions about bar and pub insurance, answered

 

What is typically excluded from bar insurance policies?

Common exclusions may include intentional acts, certain high-risk activities, or damages resulting from non-compliance with laws and regulations. It's crucial to review your policy details to understand what is and isn't covered.

What’s the difference between liquor liability insurance and assault and battery coverage?

If you’re running a bar, you definitely need both liquor liability insurance and assault and battery coverage. Liquor liability is a must because it covers you if a drunk patron causes trouble, like getting into a fight or an accident after leaving your bar. It’s often required by law, so you can’t skip it. Assault and battery coverage, on the other hand, protects you if any physical fights break out on your premises, whether alcohol is involved or not. Bars can get rowdy, so having this coverage can save you from hefty legal and medical bills.

What happens if a patron gets in a fight after they leave my bar?

If a patron gets into a fight after leaving your bar, you could still be held liable, especially if they were visibly intoxicated when they left. This is where liquor liability insurance comes in handy. It can cover legal fees, settlements, and medical costs if you’re sued for an incident that happened after the patron left your premises. It’s crucial to have this coverage to protect your business from the financial fallout of such situations. Always make sure your staff is trained to handle intoxicated patrons and prevent them from leaving in a state that could lead to trouble.