Bars and Pubs Insurance Ontario

Because bars and pubs serve alcohol, these establishments have an elevated level of risk.

Get a Quote

Bars and pubs are often a go-to destination for those looking to socialize, watch a game or simply have a drink after work.

Things like unruly patrons and poor liquor serving practices can lead to potential lawsuits or insurance claims. What’s more, exposures for your bar extend well beyond property damage or crime concerns, and can even include damaging third-party liability claims should a patron be involved in an incident.

The list below provides an overview of these risks and more—helping you identify potential blind spots in your risk management and insurance programs.

  • Liquor Liability
  • Property Insurance
  • CGL Insurance
  • Equipment Insurance
  • Crime Insurance
  • Risk Management Strategies

Liquor Liability Insurance for Bars, and Pubs

Lawsuits related to liquor liability are filed each day, and it’s increasingly common for victims and their families to file suits against bars and pubs for their role in serving a customer who is then involved in an alcohol-related accident.

All it takes is a single liquor liability claim to put your entire business at risk.

Liquor liability exposures for restaurant owners can stem from selling liquor to underage individuals, overserving patrons and noncompliance with applicable legislation.

Property Insurance for Bars and Pubs

Property exposures in bars and pubs are substantial and can come from many sources, including equipment failures, natural disasters, customers, employees and other third parties.

When discussing property exposures, fire and water damage are of particular concern, and bars and pubs face an elevated level of risk due to things like open flames, the wide use of combustible items (e.g., tables, chairs and linens), complex HVAC systems, sewer backups and appliances connected to water lines (e.g., dishwashers).

CGL Insurance for Bars and Pubs

Premises liability exposures can directly affect patron safety, and you could be held responsible when injuries occur at your business. Accidents related to slips, trips, falls and cuts are common and a source of concern.

Something as simple as a spilled drink or an uneven surface can lead to an insurance claim. Because alcohol can impair your patrons’ motor skills, the likelihood of an incident at a bar or pub is typically higher than it would be for other businesses.

Equipment Insurance for Bars and Pubs

Bars and pubs depend on functioning equipment to serve their customers effectively. In the face of an equipment breakdown (e.g., your beer taps clog, a refrigerator leaks or a cooking appliance malfunctions), your business can experience major interruptions or even prolonged closures.

Equipment breakdowns can even lead to property damage should an appliance leak or start a fire, compounding the cost for your business.

Crime Insurance for Bars and Pubs

Crime can be a challenge for restaurant owners, especially because their operations often have a steady amount of cash flowing in and out. To make matters worse, thieves can strike at any time, leaving owners to recoup any lost funds or equipment.

In this day and age, thieves (including your employees) don't need direct access to cash to steal from you—merchandise, supplies and securities are all fair game. Your restaurant's location as well as its hours of operation can have a significant impact on its level of crime risk.

Other Insurance for Bars and Pubs

Food safety is an important consideration for bar and pub owners and a primary source of food and product liability. The potential for food poisoning, contamination, spoilage and allergic reactions is ever present, making continued customer safety a challenge.

In the event that one of your customers becomes ill due to your food or accidentally ingests a foreign object found in one of your menu items, your restaurant could face legal ramifications and suffer irreversible reputational damage.

For bars and pubs, assault, battery and similar physical conflicts are not a question of if, but when. In the event that a fight breaks out at your business, both your patrons and your staff could be physically or emotionally harmed in the scuffle.

When this happens, your business could be held liable for the cost of any injuries, which can be substantial depending on the severity of the altercation. Potential incidents aren’t limited to bar fights and can include muggings and sexual assaults.

Working With Experienced Insurance Brokers

While the proper risk management practices can reduce certain exposures, no system is 100 per cent effective in ensuring an incident-free workplace.

As a result, it’s all the more crucial to work with a qualified insurance broker to not only assess your exposures, but also to secure the best insurance for your restaurant.

Take a step to managing your restaurant's risk by implementing a thorough employee safety manual. Download our free sample today.

Free Download: Restaurant Employee Safety Manual (Click to download)

Bars and Pubs

 Insurance Quote

Enter the following information and one of our dedicated business insurance brokers will get back to you right away!

Name*
Email*
Phone Number
Please describe your insurance requirements:*
Thank you! Your submission has been received!
For immediate assistance, contact one of our professional insurance brokers: 613-236-9101
Oops! Something went wrong while submitting the form.
Contractors Pollution Liability: Insurance Solution To Protect Contractors Against Environmental Liabilities
Contractors Pollution Liability: Insurance Solution To Protect Contractors Against Environmental Liabilities
Contractors pollution liability insurance should be a part of every contractor's insurance solution. Protect against third-party bodily injury, death, and damage to property as a result of sudden or gradual environmental liabilities.
Read More
Why Design-Build Contractors Need Professional Liability Insurance
Why Design-Build Contractors Need Professional Liability Insurance
Design-build contractors face unique liability risks and must consider professional liability insurance to fill in gaps cause be general construction liability insurance.
Read More
Insurance for Craft Brewers
Insurance for Craft Brewers
Make getting insurance for your Ontario craft brewery easier by working with a licensed business insurance broker. Protect your blood, sweat, and beers with the latest insurance options for your craft brewery.
Read More
Protecting Your Business Against Online Fraud - Cyber Liability
Protecting Your Business Against Online Fraud - Cyber Liability
Online fraud is becoming one of the most popular forms of fraud among cybercriminals. Learn how to protect yourself and your business from online fraud.
Read More
How to Avoid Construction Defects
How to Avoid Construction Defects
Learn how to avoid construction defect claims. Construction defect claims are common risks for architects, engineers, and contractors.
Read More
Your Guide to Commercial Drone Use
Your Guide to Commercial Drone Use
Adding drone operations to any business is risky. Thankfully, there are ways to limit your risk to drone operations, including drone liability insurance. Read our complete guide to commercial drone use.
Read More