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Bancorp Insurance

Comprehensive Insurance Programs for Business, Auto, Home, Life and Health

Bars · Taverns · Restaurants · Nightclubs

Restaurant & Bar Insurance

Customized coverage for bars, taverns, pubs, and restaurants — built around the real risks of serving food and alcohol to the public.

✓ 35+ Years Experience
✓ 100+ Carriers
✓ All 50 States
✓ Hospitality Specialists

Why Bars & Restaurants Need Specialized Coverage

General business policies aren't built for the unique exposures of serving food and alcohol. One incident without the right coverage can close your doors for good.

Liquor Liability Is Non-Negotiable

If you serve alcohol and an intoxicated patron later injures someone or causes property damage, your business can be held liable. Liquor liability coverage is essential for any bar, tavern, pub, or restaurant with significant alcohol sales — and is often required by your lease or liquor license.

Slip & Fall Risk Is Constant

Wet floors, crowded spaces, live entertainment, and late-night crowds create significant slip-and-fall exposure every night your doors are open. A single premises liability claim can easily exceed your annual revenue without proper general liability and assault & battery coverage.

Equipment Failure Kills Revenue

A broken walk-in cooler, a failed dishwasher, or a fire in the kitchen can force you to close overnight. Equipment breakdown and business interruption coverage ensure that a mechanical failure or covered loss doesn't become a permanent closure.

What Your Restaurant & Bar Policy Covers

Every policy is customized to your operation — whether you're a neighborhood pub, a cocktail lounge, or a full-service restaurant with a bar.

Standard Coverage Includes:

✓General Liability — Bodily injury, property damage, slip-and-fall claims

✓Liquor Liability — Claims arising from serving alcohol to intoxicated patrons

✓Property & Business Personal Property — Building, contents, rented equipment

✓Equipment Breakdown — Coolers, fridges, dishwashers, kitchen equipment

✓Assault & Battery Coverage — Protects against bouncer/security-related claims

✓Business Income & Extra Expense — Lost revenue during covered closures

✓Workers' Compensation — Coverage for kitchen staff, servers, and bartenders

Built for Bars, Taverns & Restaurants

Bancorp Insurance specializes in hospitality coverage. We understand the difference between a neighborhood pub and a fine dining establishment — and we build your policy around your actual risk, not a one-size-fits-all template.

●Coverage for dancing, live entertainment & gambling

●Temporary serving locations & off-site events

●Bottle service & VIP area liability

●Rented equipment coverage (lotto machines, jukeboxes)

●120+ combined years of agent experience

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Types of Establishments We Cover

From neighborhood dives to upscale dining, we have programs built for every type of food and beverage operation.

Bars, Taverns & Pubs
Neighborhood bars, sports bars, and taverns where alcohol is the primary source of revenue.
Restaurants with Full Bar
Full-service restaurants where alcohol sales represent a significant portion of total revenue.
Nightclubs & Cocktail Lounges
High-volume venues with late-night hours, live entertainment, DJs, dancing, and bottle service.
Wine Bars & Tasting Rooms
Wine-focused establishments and winery tasting rooms with on-premise consumption and special events.
Fraternal Organizations
VFW halls, Elks lodges, Eagles, and other fraternal organizations that serve alcohol to members and guests.
Breweries & Taprooms
Craft breweries and taprooms with on-site consumption, food service, live events, and retail bottle sales.
Event Venues & Banquet Halls
Facilities that host weddings, corporate events, and private parties with catered food and alcohol service.
Casual & Fast Casual Dining
Pizza shops, diners, cafes, and fast casual concepts with beer and wine licenses or full liquor service.

Bundle & Save on Related Coverages

Protect your whole operation by combining your restaurant and bar coverage with these essential policies.

Workers' Compensation

Kitchen burns, slip-and-falls, and late-night incidents make workers' comp essential for any food and beverage employer with staff.

Learn More →

Business Auto Insurance

Cover delivery vehicles, catering vans, and any vehicle used to transport supplies or staff for your business operations.

Learn More →

Cyber Insurance

POS systems, online reservations, and customer payment data make restaurants and bars a growing target for data breaches and cyberattacks.

Learn More →

Frequently Asked Questions

Common questions from restaurant and bar owners about their insurance needs.

Is liquor liability insurance required for bars and restaurants?+
In many states liquor liability is required by law to obtain or maintain a liquor license. Even where it is not legally mandated, your landlord or lender may require it as a condition of your lease or loan. Beyond the legal requirement, the financial exposure from a single dram shop claim — where an intoxicated patron injures a third party — can be catastrophic without this coverage.
What is assault and battery coverage and do I need it?+
Assault and battery coverage protects your business from claims arising when a bouncer, security guard, or employee physically engages with a patron. Standard general liability policies often exclude assault and battery claims entirely. If you employ any door staff or security personnel — or if altercations between patrons are a possibility — this coverage is essential.
Does my policy cover events like live music, dancing, or off-site catering?+
It depends on your policy. Standard policies may not automatically cover special events, live entertainment, temporary outdoor serving areas, or off-site catering. Bancorp Insurance can structure your coverage to include these activities so you are protected whether the event is in your building, in your parking lot, or at a festival down the street.
What does equipment breakdown coverage include?+
Equipment breakdown coverage pays for losses caused by power surges, mechanical breakdown, motor burnout, and operator error. For a bar or restaurant this means your walk-in cooler, refrigerators, dishwashers, draft beer systems, and kitchen equipment are all covered. It also covers the cost of spoiled food or beverage inventory resulting from a covered breakdown.
How does business interruption insurance work for a bar or restaurant?+
Business interruption coverage pays you for lost income if your restaurant or bar has to close temporarily due to a covered event like a fire, water damage, or other insured loss. Extra expense coverage goes further by paying the additional costs you incur to keep operating — such as renting a temporary location while your primary building is being repaired.
Can you cover rented equipment like lotto machines and digital jukeboxes?+
Yes. Bancorp Insurance can include coverage for equipment rented to your business, including lotto terminals, digital jukeboxes, ATMs, and other third-party equipment on your premises. Your policy can be structured to protect both your owned property and rented equipment so you are not left with a bill for someone else's damaged machine.

What Our Clients Say

Restaurant and bar owners across Oregon trust Bancorp Insurance to protect their business.