The Hartford doesn’t offer bartender insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Bartender Insurance?
Bartending insurance is another name for small business insurance. It’s made up of different types of business insurance coverages to help protect you from various risks you face on the job, whether it’s in a bar, at a wedding, private event or as a freelancer.
Insurance coverage is designed to help shield you from claims related to accidents, injuries or property damage that can happen while you’re serving drinks, managing crowds or working events. As a bartender, you know that even a routine shift can take a sudden turn. With the right insurance in place, you can serve your customers with confidence.
Common types of insurance that can be part of a bartending insurance package include:
- Business Owner’s Policy (BOP)
- Liquor liability insurance
- Workers’ compensation insurance
Although The Hartford doesn’t offer insurance for bartenders, Tivly can help you get the coverage you’re looking for.
Why Is Bartender Insurance Important?
Even the most skilled bartenders can face challenges, whether it’s a customer injury or an alcohol-related incident. Without the right coverage, a single claim could quickly become a financial strain.
Bartender liability insurance can help protect you from the unique risks that come with:
- Serving alcohol to customers in high-traffic or high-stress environments.
- Working late hours in venues where accidents and disputes can happen.
- Managing valuable equipment and handling cash or sensitive customer interactions.
How Much Does Bartender Insurance Cost?
What you pay for bartender insurance will vary because every business has unique needs. Insurance companies may consider numerous factors when determining the cost of your coverage, including:
- The location you practice in
- Type of coverage
- Your claims history
- Coverage limits you select
The Hartford understands how important insurance coverage is for small businesses. That’s why we connect you with Tivly, so you can get an online quote for bartender insurance.
General Liability Insurance
“I was working a wedding and didn’t realize I accidentally spilled a drink on the floor by the bar. A guest slipped and broke her wrist.”
General liability helps cover claims that your bartending business caused bodily injury or damaged someone else’s property.
Liquor Liability Insurance
“A guest at a party got into an accident on the way home. Their family sued me and said I overserved him.”
Liquor liability insurance helps protect your business from claims of bodily injury or property damage caused by an intoxicated person after you’ve served them alcohol.
Workers’ Compensation Insurance
“My bartender broke a glass and cut her hand. She needed stitches and had to take a week off from work.”
Workers’ compensation insurance gives your employees benefits if they get a work-related injury or illness. It can help pay their medical bills or replace their lost wages if they can’t work.
Commercial Auto Insurance
“My manager used our truck to drop off supplies at a wedding. When she got to the venue, she accidentally backed up into another car in the parking lot.”
Commercial auto insurance helps protect your employees on the road when driving a company-owned vehicle for work.
Commercial Property Insurance
“A pipe burst in our storage facility where we keep our inventory. We had to replace everything.”
Commercial property insurance helps protect the owned or rented inventory, equipment and supplies you rely on to operate.
Cyber Insurance
“I keep all my clients’ information in a customer relationship management platform. I found out my account got hacked, and my clients’ personal information was taken.”
Cyber insurance can help you respond to a data breach or cyberattack. It can help pay the costs to notify impacted individuals or offer credit monitoring services.
Get a Quote for Bartender Insurance Options
Raise the bar on protection with coverage that keeps risks in check. Tivly can help you get the coverage you need.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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