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Bar Insurance

Protect your passion and your livelihood.

Owning and running a bar and tavern has a lot of challenges. One day, you might have supplier issues and the next, you’re keeping your best servers and bartenders at your business – all while delivering a great experience and a delicious meal for your customers!

What you don’t need to worry about is how it’s all protected. That’s what we do.

Insurance Designed for You

No one ever plans to use their insurance. Insurance coverage helps to cover unexpected issues.

If you’re like many bar and tavern owners, your business started with a passion and then became a dream. The dream of entertaining folks and welcoming them to your bar to have a great experience. It took a lot of hard work and elbow grease to build your bar. Once the operations were up and running, you may have realized there were a lot of unexpected risks that came with running your business. While you’re busy running your business, someone needs to be considering the liabilities you have in running a bar.

Imagine the worst-case scenarios you may face:

  • A DUI claim comes back to your bar
  • Someone steals all of your customers’ credit card data and you have to pay to rebuild their credit
  • Mishandling of employee issues and compliance ends up with expensive fines
  • A slip and fall results in a pending lawsuit, since you serve alcohol – this makes this situation even more complex

Managing a bar and tavern and bar can be complex. How do you protect your bar?

It’s about staying in your lane and doing what you love to do!

At the Horton Group, purchasing insurance is not just a transaction, we become part of your team and take care of all those things that bog you down and put you at potential risk for financial disaster.  Our team is your team. We’re passionate about insurance and the bar and tavern industry. We insure over 500 bars and taverns, whether they are mom-and-pop businesses or large chains. We want to protect your business.  When you are ready to minimize your risk and maximize your profitability – we are a phone call (or email) away.  Let us do the dirty work so you and your team can create gastronomic and mixology masterpieces. All you have to do is focus on ensuring your clients have the best customer experience possible.  Isn’t that what it’s all about?

Insurance Coverages Designed for Bars, Pubs and Taverns

Our team is here for all insurance needs because you need more than just an insurance policy.

The Horton Group is a family and employee-owned insurance broker. Our guys and gals grew up in the hospitality business with family members that run bars or have owned restaurants. They understand the blood, sweat, and tears that goes into a business.  Our team understands your needs. We know its not just about the cost of your insurance or the coverage but also thinking about your total risk.

What do we mean by total risk? It means looking at all the factors that drive up the cost of your insurance and coming up with ways to reduce those risks. Bars and taverns have some inherently unique risks especially when it comes to serving alcohol. Our team can offer you an insurance quote, they also can grow with you and offer a risk management program to mitigate risks.

We can scale up or down on your bar insurance needs. Some common insurance coverages include:

  • Building Insurance
  • Auto Insurance
  • Employee Dishonesty
  • Umbrella Insurance
  • Property Damage Coverage
  • Valuable Papers and Records
  • General Liability Coverage
  • Liquor Liability Insurance
  • Employee Benefits and Group Health Insurance
  • Umbrella Insurance
  • Workers Compensation Insurance
  • Business Interruption
  • General Liability Insurance
  • Spoilage Insurance
  • Cyberliability Insurance
  • Employment-related Practices
  • Stop Gap Liability Insurance

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People First Insurance Brokers

Find out how our services can assist you in becoming better prepared and protected for what comes next.

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