Bar Insurance & Nightclub Insurance in Texas

Bars and nightclubs face some of the highest liability exposures in the hospitality industry. Assault claims, liquor liability lawsuits, security issues, and late-night operations require specialized underwriting.

86 The Risk specializes in bar insurance and nightclub insurance coverage in Texas.

Essential Coverages for Bars & Clubs

Liquor Liability Insurance (Dram Shop Coverage)
Protects against claims arising from intoxicated patrons causing injury or property damage.

General Liability Insurance for Bars
Covers patron injuries, fights, security claims, and premises liability exposures.

Assault & Battery Coverage
Critical endorsement for bars and nightclubs.

Commercial Property Insurance
Protects sound systems, lighting systems, bar equipment, furniture, and tenant improvements.

Business Income Insurance
Covers lost revenue after a fire, storm, or other covered loss.

Spoilage Insurance Coverage
Protects beer, liquor, and perishables after power failure.

Utility Services – Time Element Coverage
Covers income loss from off-premises power outages.

Workers Compensation for Bar Employees
Protects bartenders, security staff, DJs, servers, and management.

Bars are high-risk — but insurable with the right agency. We work with carriers that specialize in hospitality risks.

 Get a bar insurance quote built for your operation.