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Get Tailored Insurance for Bar Tavern, Nightclub in Georgia To Keep Business Safe From Liability Risks

Georgia bar owners face unique risks that can have devastating consequences.

From unexpected property damage to costly lawsuits, a single incident can jeopardize your business’s future.

Our team of experienced bar insurance experts understands your challenges and can provide tailored insurance policies to protect your bar from these risks.

Let our insurance experts guide you through the complexities of bar insurance and help you find the right coverage to protect your business.

This includes determining the appropriate amount of coverage for your bar based on factors such as your business size, location, and risk profile.

Protect your bar’s physical structure with our comprehensive building coverage, including coverage for fire, flood, and other natural disasters.

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Get a free insurance quote for your bar today and safeguard your business.

How much does insurance cost for bars in Georgia?

Insurance costs for bars in Georgia can vary widely depending on coverage needs and risk factors. For small bars in Georgia, general liability insurance typically costs around $40 per month, while more comprehensive coverage including liquor liability, property insurance, and workers’ compensation can range from $3,000 to $5,000 annually.

Essential Types of Insurance Policies for Georgia Bars

General Liability Insurance

Commercial general liability coverage covers common risks faced by bars and dram shops. General liability insurance policy covers:

Customer injuries caused on your premises due to slip and fall
Damage to customer property
Advertising injuries or copyright infringement

Liquor Liability Insurance Policy

A liquor liability policy is mandatory for bars and taverns serving alcohol in Georgia.

This coverage protects your business if you sell alcohol from claims arising from alcohol-related incidents. Liability insurance for bars covers:

Customer injuries due to intoxication from alcoholic beverages
Property damage caused by intoxicated patrons
Alcohol-related fights or altercations or assault and battery

Commercial Property Insurance

Business property insurance will provide protection for your bar’s physical assets.

Commercial property insurance protects

Building structure (if owned)
Furniture and fixtures
Kitchen equipment
Inventory (food and alcohol)

Workers' Compensation Insurance

Georgia law requires bars or nightclubs with three or more employees to carry workers’ comp.

A mandatory insurance for restaurants and bars, this policy will also provide essential protection for your staff in case of work-related injuries or illnesses.

Your business could face serious consequences if you lack this insurance.

Business Interruption Insurance

Business interruption insurance provides coverage for lost income and ongoing expenses if your bar must temporarily close due to a covered event.

This insurance offers protection in times of:

Fire damage
Severe weather
Equipment breakdown

The Allen Thomas Group Advantage To Protect Bar Owners

Proactive risk management can help reduce your insurance premiums and prevent costly claims.

We provide guidance to every bar on:

Proper alcohol service training for businesses that serve liquor
Implementing safety protocols
Maintaining safe premises
Effective crowd control measures
Food safety practices

Real-Life Scenario: The Importance of Liquor Liability Coverage

A popular Atlanta sports bar faced a $500,000 lawsuit when an intoxicated patron left the premises and caused a multi-car accident.

Thanks to their comprehensive liquor liability coverage, the bar’s insurance covered legal fees and settlement costs, saving the business from financial ruin.

This case highlights how liquor liability insurance protects your business in tough times. It offers liability protection that no other coverage does for a bar tavern or nightclub.

Smart And Easy Insurance Solutions

Tailored Insurance Solutions for Bars and Taverns

The Allen Thomas Group understands that no two bars are alike.

We offer customized bar insurance coverage for:

Neighborhood pubs
Sports bars
Cocktail lounges
Karaoke bars
Brewpubs
Nightclubs

Our agents work closely with you to assess specific risks facing your business, analyze insurance needs, and design a policy that fits your needs and budget.