Bar Insurance in Massachusetts

Liability coverage helps insure bars and taverns from covered claims in which they’re held responsible for an incident that resulted in physical damage or personal injury. Coverage often covers both legal costs and settlements of covered claims, according to the policy’s terms and limits. The liability coverage contained in a tavern insurance policy may include the following specialized coverages:

• General Liability Coverage, which provides broad coverage for a range of incidents
• Liquor Liability Coverage, which may cover incidents when an establishment is held responsible for the actions of an intoxicated patron
• Assault and Battery Liability Coverage, which might provide coverage if a fight breaks out at an establishment
• Product Liability Coverage, which may cover illnesses caused by food and beverages that are served

A policy’s property coverage helps insure property that a bar or tavern owns. As is the case with all coverages, what is protected will depend on the policy’s terms and exactly what type of property coverage it has. A policy could have a combination of the following specific property coverages:

• Building Coverage, which usually insures a bar or tavern’s building (if the business owns the building)
• Contents Coverage, which typically insures items such as kitchen equipment, bar equipment, furniture, lighting, artwork and music systems
• Equipment Breakdown Coverage, which might help cover the cost of repairing equipment that breaks down due to a covered incident
• Food Contamination Coverage, which could help an establishment purchase new food if its current stock spoils after a covered incident