BAR AND GRILL
INSURANCE
A BAR AND GRILL IS TWO BUSINESSES UNDER ONE ROOF.
A bar and grill carries the full liquor liability of a bar and the full food liability of a restaurant — simultaneously. The bar side creates over-service and dram shop exposure. The kitchen side creates food liability and fire exposure. And the floor between them creates premises liability for a combined crowd that is often there for both. Getting the coverage right means addressing all three together.
Full bar service creates over-service and dram shop liability — the same exposure as any bar.
A working kitchen adds food liability, fire exposure, and workers compensation for kitchen staff.
A combined bar-and-dining crowd creates premises liability across the full footprint.
Bartenders, servers, and kitchen workers all need workers compensation sized for their role and risk.
TAP EACH AREA TO SEE THE COVERAGE QUESTION.
Bar and grill risks run front-of-house and back simultaneously. Tap each. A general illustration — not a coverage determination.
HOW THE PROGRAM IS BUILT.
Full-bar liquor liability and dram shop coverage for a combined bar-and-dining operation.
Food product liability and kitchen fire exposure for the working grill and kitchen operation.
Floor-level premises liability for the combined bar and dining room crowd.
Commercial property for the kitchen and build-out plus workers compensation for all staff roles.
TELL US ABOUT YOUR OPERATION.
Complete the form and a Kelly Insurance Group specialist will follow up to begin your review.
EVERY KIND OF ALCOHOL OPERATION.
STRAIGHT ANSWERS.
What does bar and grill insurance cover?
Bar and grill insurance covers liquor liability for the full bar program, food and product liability for the kitchen, premises general liability for the dining and bar floor, commercial property for the building and kitchen equipment, and workers compensation for all staff.
Is a bar and grill treated differently from a restaurant?
For liquor liability purposes, yes. A bar and grill with a full bar program carries a heavier liquor liability load than a restaurant with incidental alcohol service. The bar side and the kitchen side are both reviewed and priced based on how significant each is to the operation.
Is food liability required even if the kitchen is secondary to the bar?
Yes. Any food served to guests creates food and product liability for the operator, regardless of whether food is secondary to the bar. The kitchen exposure needs to be addressed even if the bar is the primary business.
Is kitchen fire a significant risk for a bar and grill?
Yes. Grease fires in a bar and grill kitchen are among the most common property events in the hospitality industry. Property coverage for the kitchen equipment, the building, and business interruption for a forced closure are all critical lines.
Does a late-night bar and grill need assault and battery coverage?
Late-night bar and grill operations that serve alcohol to a late-night crowd carry a higher assault and battery exposure. Where the venue operates past midnight with a significant bar volume, assault and battery coverage is an important consideration alongside the standard liquor program.
How do I get a bar and grill insurance quote?
Completing the form on this page gathers your operation type, seating, bar volume, kitchen details, hours, and staff size so the account can be reviewed and matched to the right specialty markets.
COVER THE BAR, THE GRILL, AND EVERYONE IN BETWEEN.
Kelly Insurance Group builds specialty programs for bar and grill operations, casual dining bars, and combined bar-restaurant venues.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.