Liquor Liability | Property | General Liability | Business Interruption
Running a bar and tavern means serving great food and keeping guests happy — but it also means managing serious risks every day. From crowded Friday nights to kitchen fires and alcohol service, one unexpected claim could shut your doors.
At Catanzaro Insurance, we help bars, taverns, and grills across Ohio, Indiana, and Illinois protect what they’ve built. We understand the exposures that come with liquor service, late hours, and food operations — and we make getting the right coverage simple, fast, and affordable.
✅ What Coverage Does a Bar & Tavern Need?
General Liability Insurance
Protects your business if a customer is injured, gets sick from foodborne illness, or if property damage occurs during your operations.
Liquor Liability Insurance
Essential if your establishment serves alcohol. This covers you if a patron causes harm or damage after being served drinks at your bar or tavern.
Assault & Battery Coverage
Many general policies exclude this — but if you have bouncers, host events, or stay open late, it’s critical protection.
Commercial Property Coverage
Covers your building, kitchen and bar equipment, furniture, and signage against fire, vandalism, or theft.
Business Interruption
Replaces lost income if a covered event like a fire or storm forces you to temporarily close.
Workers’ Compensation
Covers employee injuries on the job, including kitchen burns, slips, or strains from lifting. Required in most states.
Optional Coverages
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Crime Coverage: Protects against theft, including employee dishonesty.
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Cyber Liability: Covers losses if your POS or customer data is compromised.
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Umbrella Liability: Adds an extra layer of protection above your main policies.
🍺 Who Needs Bar & TavernInsurance?
We insure a wide range of food and beverage businesses, including:
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Neighborhood bars and pubs
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Sports bars and taverns
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Family-friendly grills
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Nightlife venues with live entertainment
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Bars with limited food menus or late-night hours
If your business serves food and alcohol, you face unique risks that require the right insurance package — not a one-size-fits-all policy.
💼 Why Choose Catanzaro Insurance
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Licensed in Ohio, Indiana, Illinois, Wisconsin, Iowa, Arizona, and Texas
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Specializing in bar, tavern, and nightlife coverage
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Fast COIs for liquor license renewals or landlords
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Real, human support — no call centers or pushy sales
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Competitive options built specifically for bar and tavern owners
We don’t just sell policies — we help business owners make confident, informed coverage decisions that protect their livelihood.
🔥 Real-World Scenarios
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A patron slips on spilled beer — General Liability covers medical expenses.
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A fight breaks out after last call — Assault & Battery coverage responds.
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A kitchen fire damages your grill and hood system — Property Coverage repairs it.
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Power outage spoils your food inventory — Business Interruption helps replace losses.
❓ Bar & Tavern Insurance FAQs
Q: Why do I need separate liquor liability coverage?
A: General liability usually excludes alcohol-related claims. Liquor liability ensures you’re covered if a patron causes harm after being served.
Q: How much does bar and tavern insurance cost in Ohio?
A: Most establishments pay $3,500–$8,000 per year, depending on size, staff, and alcohol sales volume.
Q: Can you help with liquor license COIs?
A: Yes — we provide fast certificates for local and state licensing requirements.
📞 Get a Free Bar & Tavern Insurance Quote
Protect your business, your employees, and your reputation with coverage designed specifically for bars and taverns.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
Or complete the short form below to request a quote.
We’ll review your setup, identify coverage gaps, and provide competitive options built for bar and tavern owners in Ohio, Indiana, and Illinois.
🔗 Learn More
Learn more about insurance for food and beverage businesses here.