Running a bar or tavern is similar to managing a restaurant. It does carry a few unique risks that set it apart from an establishment that serves food and non-alcoholic beverages. Insurance covering these risks is essential for peace of mind and financial security. Operating without the right insurance can lead to devastating consequences that could cost you more than your business.
DUIs are unpleasant to deal with. A person who leaves your establishment and has an accident while driving under the influence will have much trouble with the law. If it is proven that your bartender continued to serve them after they were noticeably impaired, your establishment may be liable for any damages the driver caused. You may be charged with a criminal offense depending on the circumstances.
Your establishment's overall liability may change if your bar or tavern hosts events or large gatherings. Having a good umbrella policy in place can help. Before you host your first event, call your insurance agent and discuss any hazards that may affect your event. You may need to buy a particular policy remaining for one event. This will make sure you are sufficiently covered.
Blocking an exit or groups of people standing in front of exits can pose a problem if a fire should break out. Exit zones should be clearly marked both inside and outside of your building. It's your responsibility to ensure entrances and exits are marked and free of any obstacles or obstructions. They must also be marked so that the EXIT signs can be seen throughout the building.
While smoking is no longer allowed in most bars or taverns, candles are commonly used for ambient lighting or to set the mood. Musical acts may use pyrotechnics as part of their stage show. Many of the decorations you have throughout their establishment are made of flammable materials. It's up to you to ensure the decorations are far away from any open flame to prevent them from catching fire.
Working in a bar or tavern may be fun and exciting, but the risk of a work-related injury will always be close at hand. Slip-and-fall accidents, unruly patrons, and broken glass can all lead to severe injuries. It's essential to make sure your employees have a safe work environment. Being proactive when it comes to safety is essential for both your staff as well as your guests.
Owning a bar or tavern carries a huge responsibility. When having sufficient insurance coverage for your business, contact the insurance agents at TA Swain Insurance Group. We can assist you in finding the right insurance policy for your bar or tavern's unique needs. Contact us today to schedule a consultation. You can directly talk to us by calling (614) 224-1329.