Industry Coverage
Insurance for Bars, Taverns & Hospitality Businesses in Texas
Running a bar or hospitality business comes with risks most industries never face. One over-served patron, one late-night altercation, one dram shop lawsuit, and you could be facing a claim that threatens everything you have built. We build coverage around liquor liability and assault and battery exposure, not a one-size-fits-all policy.
Who We Cover
- Bars and taverns
- Pubs and sports bars
- Wine bars and cocktail lounges
- Breweries and taprooms
- Nightclubs and live music venues
- Hotels and hospitality venues
- Restaurants with full bars
The Risk You Carry Every Day
Under the Texas Dram Shop Act, your business can be held responsible for damages caused by a patron you over-served, and many standard policies quietly exclude the assault and battery claims most likely to put a bar out of business.
Dram shop liability
The Texas Dram Shop Act can hold you responsible for damages caused by a patron you over-served, including accidents after they leave.
Assault & battery exclusions
A fight on your property can leave you fully exposed if your policy quietly excludes assault and battery claims.
High foot-traffic injuries
Slip and falls, falling fixtures, and crowded, dimly lit spaces drive frequent liability claims.
Spoilage & equipment loss
A power outage or refrigeration failure can destroy kegs, wine, and food inventory fast.
Why Businesses Choose Us
- Liquor liability coverage built around the Texas Dram Shop Act
- Plain answers on whether your policy includes assault and battery coverage
- General liability limits sized for high-traffic, dimly lit venues where slip-and-fall claims are common
- Spoilage coverage for kegs, wine, and food if power or refrigeration fails
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Coverage Built for Bars & Hospitality
Liquor Liability Insurance
If you serve alcohol in Texas, this is the single most important coverage you carry. Under the Texas Dram Shop Act, your business can be held responsible for damages caused by a patron you over-served, including drunk driving accidents that happen after they leave your property. Most standard general liability policies exclude liquor liability entirely, so you can carry a solid GL policy and still have zero protection against the claims most likely to put a bar out of business. We make sure that gap is closed.
General Liability
Slip and falls on a wet floor, a patron injured by a falling TV, damage to a neighboring business. General liability covers the everyday risks that come with high foot traffic, dim lighting, and crowded spaces.
Commercial Property
Your building (or your buildout if you lease), bar equipment, kitchen equipment, POS systems, furniture, and inventory. We can also include spoilage coverage for kegs, wine, and food if power goes out or refrigeration fails.
Assault & Battery Coverage
This one matters more for bars than almost any other business, and it is one of the most commonly excluded coverages in the industry. Many carriers quietly exclude assault and battery claims from bar policies, which means a fight on your property could leave you completely exposed. We tell you plainly whether your policy includes it, and we work with carriers that offer it.
Additional Coverage Options
Workers Compensation
Pays medical costs and lost wages when an employee is injured on the job.
Commercial Auto
Covers the vehicles your business owns, leases, or uses for work.
Commercial Umbrella
Adds an extra layer of liability limits above your existing policies.
Cyber Liability
Protects your business from data breaches, ransomware, and cyber attacks.
Serving Bars & Hospitality Businesses Across Texas
We work with bar and hospitality owners in San Antonio, Austin, Dallas, Fort Worth, Houston, and every major Texas city in between. San Antonio in particular has one of the most active bar and hospitality scenes in the state, from the River Walk to the Pearl, and we know the exposures that come with it. Whether you run a neighborhood tavern in San Antonio or a rooftop lounge in Dallas, we will build a policy that fits your operation and your budget.
Bars & Hospitality Insurance FAQs
Texas does not legally require it, but operating without it is a serious gamble. The Texas Dram Shop Act allows injured parties to sue businesses that over-serve patrons, and these claims routinely reach six or seven figures. Many landlords and lenders also require liquor liability as a condition of your lease or loan.
A dram shop claim is a lawsuit against a business that sold alcohol to an obviously intoxicated person who then injured someone, most often in a drunk driving accident. The name comes from an old term for establishments that sold liquor by the dram. In Texas, these claims are governed by the Texas Alcoholic Beverage Code and can hold your bar financially responsible for what a patron does after leaving.
Often it does not. Many carriers exclude assault and battery claims from policies written for bars, which is exactly where those claims are most likely to happen. Ask us to review your policy language. If assault and battery is excluded, we can find coverage that includes it.
It depends on your alcohol sales, square footage, hours of operation, security measures, and claims history. A small neighborhood bar and a late-night club will see very different premiums. The fastest way to find out is to request a quote. It takes a few minutes and there is no obligation.
Protect Your Bars & Hospitality Business
Get a fast, no-obligation quote from a Texas-based team that understands your industry.