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Bar Insurance

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› Insurance Products › Bar Insurance

At MFE Insurance, we offer insurance policies to bar owners. Loss of income, lawsuits, and property damage are common issues owners of any industry face on a daily basis. Without the proper coverage, your business is liable for lawsuits that may result in total liquidation and loss of various licenses, among other issues. Industries that serve food and alcohol run a higher risk of legal repercussions and should be insured with the future of your business in mind. Our bar insurance brokers create a customized insurance plan based on you and your industries’ wants and needs. MFE Insurance makes sure your business obtains the proper coverage needed while offering affordable rates.

General Liability Insurance

General Liability Insurance, as it pertains to bars, protects you and/or your business from claims of bodily injury and property damage that may occur at your establishment. General Liability Insurance policies cover third-party lawsuits that may occur during a claim. A “third party” can be anyone other than the insured’s employees and workers (e.g., a patron eating at your bar). With our General Liability Insurance, you can rest easy knowing your bar is protected from a wide range of potential liability issues.

What Does General Liability Insurance Cover?

General Liability Insurance policies at MFE Insurance cover the cost of investigating claims and defending against third-party lawsuits. It pays attorney fees, court costs, witness fees, settlements, and court-ordered judgments. The General Liability Insurance policy may also cover an injured party’s immediate medical expenses and the cost of repairing or replacing their damaged property.

For example: A customer enters your bar and slips on beer that has been spilled on the floor. If they sustain bodily injuries, they may be able to sue you for medical expenses. In the event that situation arises, your business can make a claim on your General Liability Insurance policy to cover the litigation costs.

Liquor Liability Insurance

drunk driver who is driving back from a bar that has bar insuranceAt the highest level, Liquor Liability Insurance will cover you and your business from claims that occur from a customer who is intoxicated and injures themselves or another person. Bottom line, if you are serving alcohol you are a responsible for your customers and their actions while they are drinking. This means your establishment is highly susceptible to lawsuits, and should strongly consider adding a Liquor Liability Insurance policy through MFE Insurance.

What Does Liquor Liability Insurance Cover?

If patrons are drinking alcohol at your establishment and cause an accident while driving home, your business could potentially be held liable and sued. Unfortunately, standard insurance policies will more than likely not cover an alcohol-related incident, so it is imperative to obtain a Liquor Liability Insurance policy if you serve any alcohol. This includes what happens inside the doors of your business AND situations that may happen after someone intoxicated leaves your establishment.

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Fill out our Bar Insurnace application and request your quote today!

Bar Insurance Application

Assault & Battery Insurance

If a patron is injured at your establishment during a physical altercation, your business could potentially be held liable for the injuries and financial costs. Assault and Battery Insurance policies help protect you from the risk associated with physical altercations between patrons at your establishment.

How Does Assault and Battery Insurance Apply To My Business?

If two or more patrons in your establishment physically touch one another and one or more patrons are injured, your business could be held responsible.

For example: If two people get into a fist fight at your establishment and someone gets physically injured, the customer may potentially sue your business for damages. Assault and Battery Insurance at MFE Insurance will cover you and your business for the legal fees and settlements associated with the claim (ie, doctor bills, lawyer fees, etc).

Commercial Automobile Insurance

MFE Commercial Automobile Insurance covers owned, hired, borrowed and or non-owned vehicles while used in your business. There are two main components to auto coverage, Liability and Physical Damage. Auto Liability is included to cover you against bodily injury and property damage done to others, while the Physical Damage (comprehensive & collision) covers you against theft and damage to the vehicle.

How Does Commercial Auto Insurance Apply To My Business?

employee who works at a local sports bar with bar insurance crashes his carIf any employee working for you uses their own vehicle or a rented vehicle, you are responsible for the vehicle and the people in the vehicle. You are also responsible for any vehicles that are involved in an accident.

For example: One of your employees (full time or part-time) decides to take their personal vehicle to pick up lunch. During the car ride, your employee gets into an accident and causes damage to another person’s body and car. Commercial Auto Insurance covers damages caused to both parties.

Workers Compensation Insurance

Workers compensation insurance, sometimes called “workers comp” is a program mandated by the state which consists of payments (required by law) to be made to a worker or employee who is injured or disabled in connection to their work. The business insurance consultants at MFE Insurance will educate you on your industries specific rules and regulations to ensure that your business is properly covered. Making sure your business has the proper amount of coverage, while offering competitive rates, are the most important aspects to our insurance brokers at MFE Insurance.

What Does Workers Compensation Insurance Cover?

Each individual state has its own workers’ compensation insurance program, so the coverage details can vary per state. The bar insurance brokers at MFE Insurance will educate you on your state’s specific coverage. Regardless of what state your establishment is located, Workers Compensation Insurance will cover the medical costs from the injury or illness, replacement income, costs to retrain, compensation for any permanent injuries, and benefits to survivors of workers who are killed on the job.

For example: An employee slips and falls behind the bar while working their shift. The Workers Compensation Insurance policy acquired through MFE Insurance will cover the medical bills and the wages they would have received during the days they are scheduled to work.

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Fill out our Bar Insurnace application and request your quote today!

Bar Insurance Application

Cyber Liability Insurance

The Cyber Liability Insurance policy at MFE Insurance protects your business from data theft or information mismanagement. Cyber Liability Insurance covers your company’s liability in the event there is a data breach that involves social security numbers, patron credit card information, employee health records, etc.

What Does Cyber Liability Insurance Cover?

It is nearly impossible to repair or replace stolen or lost data, and the lost information could affect multiple patrons or employees and open the door to a bevy of potential legal issues. The Cyber Liability Insurance policy at MFE will cover issues such as: legal fees for defense in court, Judgments or Settlements, Customer Notifications (letters, etc.), Credit Monitoring Services, and Public Relation damage control services.

Employee Benefits Insurance

woman who works at a bar with bar insurance who was not added to the company benefits planAny errors or omissions in the activation or application of your company’s employee benefit program is covered by an Employee Benefits Insurance policy. MFE Employee Benefits Liability Insurance covers health and life insurance, retirement plans, and any other benefits offered by your company through the employee benefit program.

What Does Employee Benefits Insurance Cover?

For Example: A new employee signs up for your company’s health insurance plan, and has somehow been forgotten to be added to your company’s plan. The new employee files a medical claim and is denied coverage by the health insurance provider because there is no record of the new employee having any insurance plan. With Employee Benefits Liability Insurance, the coverage would be paid for, that would have normally been covered if the health insurance plan was activated.

Equipment Breakdown Insurance

Equipment Breakdown Insurance policies at MFE Insurance cover essential machinery and equipment required to run and or operate your business. By adding an Equipment Breakdown Insurance policy, your business will continue to run smoothly following the breakdown of essential equipment and/or machinery. Once the incident has been covered, it may assist your business with either repairing the broken equipment or a full replacement. Equipment Breakdown Insurance policies come with a coverage limit, therefore once your limit has been met, any additional expenses turn into out-of-pocket costs for you and your business.

What Does Equipment Breakdown Insurance Cover?

Equipment Breakdown Insurance policies acquired through MFE Insurance will cover essential machinery and equipment needed to operate your business such as boilers, air conditioners, computers, POS systems, security systems, among others. You should be aware that Equipment Breakdown Insurance does not cover machinery or equipment that has broken down due to age or improper maintenance.

Excess Liability Insurance (Umbrella Liability Insurance)

By acquiring Excess Liability Insurance (Umbrella Liability Insurance) with MFE, you are providing your business with protection for claims that exceed the limits of your primary liability policy. Until the limits of your primary liability have been met, the Excess Liability Insurance policy will not respond. This policy is ideal for growing businesses that run the risk of a potential large loss, with coverage limits starting at $1,000,000.

What Does Excess Liability Insurance Cover?

For example: While drinking at your bar, a ceiling fan above a table full of guests comes loose and falls, resulting in multiple injuries that exceed $3 million in medical payments. Your General Liability Insurance will cover the first $2 million, the Excess Liability will cover the remaining $1 million.

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Fill out our Bar Insurnace application and request your quote today!

Bar Insurance Application

Property Insurance

club in Los Angeles that has bar insurance and is hosting college studentsProperty Insurance policies at MFE Insurance cover business-related property damage that has occurred at your establishment. Property Insurance will assist your business in repairing or replacing the covered damaged property. Common types of property include the building or structure, contents, fixtures, improvements and betterment’s, inventory, computers and related hardware. Other beneficial property coverages include loss of income and extra expense, water backup of sewer or drain, and other beneficial enhancements.

How Does Property Insurance Apply To My Business?

In the unfortunate event of a fire or other covered loss, property insurance will kick in and replace the damaged items, reimburse your loss of income during the period of restoration, and cover any extra expenses you incur.

When experiencing loss of income claim, our insurance brokers utilize carriers that offer a 0 hour waiting period, which help maximize the amount of income you are able to claim. You will often notice that some carriers have a 24, 48, or 72 hour waiting period (deductible) before you can start claiming loss of income or extra expense.

Spoilage Insurance

In the bar industry, Spoilage Insurance coverage is imperative to your business in the event your “perishable stock” becomes spoiled or contaminated due to a temperature change and/or power outage. You can add Spoilage Insurance to your commercial property policy as a separate line item. Often times, it will automatically be included under a business owners policy when written for bars, cafes and other establishments that serve food.

How Does Spoilage Insurance Apply To My Business?

For Example: Your establishment loses power overnight and the refrigerator that contains all of the chicken your bar cooks with, is now 80 degrees. The entirety of spoiled chicken is covered under your Spoilage Insurance policy through MFE Insurance.

EPL Insurance

Employment Practices Liability Insurance (EPLI) policies are designed to protect the employer against employee discrimination claims. Common discrimination claims against employers include age, sex, race, and disability. EPL Insurance will also protect employers from claims such as wrongful termination, sexual or non-sexual harassment, glass ceilings and other employment-related discrepancies. EPL policies can also include wage and hour coverage, which pays the defense costs for allegations relating to failure to pay overtime.

What Does EPL Insurance Cover?

Say an employee files a wrongful termination claim against you because he or she believes they were fired due to their gender. Although EPL Insurance cannot guarantee coverage for all claims against employers, your company is much more prepared with an EPLI policy in place. It is best practice to educate yourself on all facets of employment law, for potential claims that may arise.

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Fill out our Bar Insurnace application and request your quote today!

Bar Insurance Application

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Los Angeles, CA 90013
213-266-7990

344 N Old Woodward Ave,
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Birmingham, MI 48009
313-395-1855

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Google Rating
4.8
MFE Insurance Brokerage
MFE Insurance Brokerage
4.8
Tara Fartemer
Tara Fartemer
13:34 20 Aug 19
I called MFE Insurance Brokerage about car insurance for my son after seeing the reviews on Yelp. (My son is a student in CA and I live in TN.) Payman explained everything in detail and got a great rate for us! I would definitely recommend him to anyone looking for insurance!
Aaron Godfred
Aaron Godfred
16:55 10 Sep 18
MFE Insurance is great. Omaze has demanding and constantly changing insurance needs and MFE is easy to get in touch with, has a great online cert generator and are awesome people to boot! Highly recommend.
Oscar Bucher
Oscar Bucher
05:25 15 Mar 18
Alec Roberts and his team really go the extra mile to ensure their clients receive the proper insurance that is right for their business at the best price with a timely turnaround. They provided same day service - from quote to a full policy with proof of insurance and helped me win bids and develop my business. They are your allies in the insurance world - look no further!
Jon Keeyes
Jon Keeyes
19:21 13 Sep 17
I've worked with many insurance companies over the years for production insurance on feature films. Once I found MFE, I never looked back. Not only is there pricing competitive (and typically better than many other brokers), Alec and his staff are amazing, quick to reply, and fast to assist. And they make all your insurance needs for production run smooth and easy. I couldn't recommend a better broker.
Ashley Rosenberg
Ashley Rosenberg
22:26 24 Oct 17
AMAZING. Never felt like they were giving me BS information, or quotes that weren't necessary for my production. Always informative (explaining in depth what I would, or wouldn't need for certain situations! Claims were seamless, and the team is always responsive. So grateful to have a broker that really is working for my best interest!!
Ian Bell
Ian Bell
18:03 03 Apr 18
Kat and the rest of the MFE team are amazing. Great communication and quick to find the best possible coverage.
Nick Scully
Nick Scully
20:20 29 Nov 18
John Hart was my broker for my first project requiring insurance, and he was incredibly helpful, professional, and patient with a first-timer. Highly recommend MFE and John's services!
Aaron Brown
Aaron Brown
16:25 13 Sep 17
I've been working with Alec and his team for years. They provide our production insurance and throughout the entire process, including a handful of claims, I've always felt informed, supported, and taken care of. Can't recommend MFE enough - these guys are the ones you want in your corner. They know the best insurance policies and will help manage any claims that arise.
Kate Ryan
Kate Ryan
16:50 08 Mar 19
MFE Insurance saved my business money and offered better coverage. We've worked together over the last several years, and have recommended MFE to family and friends. Alec Roberts and his team are always available to answer our questions or requests, and everything is done in a timely manner. We can't say enough about how well we are treated!
Alexander Baker
Alexander Baker
02:17 26 Sep 20
We were looking for last minute equipment insurance for a film shoot and MFE couldn't have been more helpful. John Hart was fantastic and made sure we got our coverage in time! I could not recommend this company more.
Kyle McKee
Kyle McKee
16:28 01 Mar 22
Been a customer for almost a year. Quick and easy to set up and was able to get a much cheaper price than my "good neighbor" insurance.
Cody Michler
Cody Michler
17:26 07 Jun 22
Peter was great! I did have to cancel temporarily but due to pivoting my business in a different direction. If you have niche and need coverage reach out to them! Its hard to find insurance for specific niches but they got it working for me while I was doing more onsite work!
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