Bar and Tavern Insurance in Ohio

You've successfully opened a bar or tavern in Ohio and you're ready to start serving customers. Everything is in place to ensure that your business runs smoothly and successfully, but there's one more important element you must consider: insurance.

Although it may seem intimidating, getting the right insurance coverage for a bar or tavern in Ohio is essential. It will provide the protection you need to ensure that your business is safe and secure.

Most bars and taverns in Ohio will need at least three main types of insurance: liability, property, and workers' compensation. Liability insurance will provide protection from claims of negligence, property damage, and bodily injury that may arise from your business operations. Property insurance will protect you from losses due to theft, fire, or other kinds of damage. And finally, workers' compensation insurance provides essential coverage for your employees in case of work-related injury or illness.



Depending on the size and complexity of your business, you may also need additional coverage such as liquor liability insurance, business interruption coverage, or cyber liability insurance.

At Bellwether Insurance, we provide the best insurance solutions for bars and taverns in Ohio. Our knowledgeable agents will evaluate your business needs and work with you to find the right coverage for your unique situation. We understand that each business is different, so we take the time to tailor our insurance solutions to meet your specific needs.

Don't risk leaving your business unprotected - contact us today and let us show you how we can help protect your bar or tavern with the right insurance coverage.



We look forward to hearing from you soon! Contact us today for a free, no-obligation quote.

Ohio also has laws governing dram shops. These regulations cover a range of topics such as safety and security, record keeping, and inspections. All dram shops must comply with these rules in order to operate legally in Ohio.

The Ohio Department of Public Safety is responsible for enforcing dram shop regulations. If you own or operate a dram shop in Ohio, it's important to make sure that you are familiar with the laws and how they apply to your business.

Liquor liability insurance typically covers the bar or tavern's legal fees and settlements if they are held liable for injury, death, or property damage caused by an intoxicated customer. This type of insurance policy can also cover alcohol-related lawsuits brought against employees who serve alcohol to a minor or serve more than the legal limit during one visit.



It is important to note that liquor liability insurance does not cover any criminal act committed by the intoxicated customer, such as a hit-and-run or assault. Additionally, this type of insurance policy usually excludes claims arising from illegal drugs or other intoxicants.

Property insurance is a type of business insurance that protects the physical assets of a bar or tavern from damage or loss due to fire, theft, vandalism, or other perils. Property insurance can cover the building itself, as well as the equipment, furniture, inventory, and signage inside it. Property insurance can also cover the loss of income if the business has to close temporarily due to a covered event.

Property insurance is especially important for bars and taverns in Ohio, as they face various risks that could affect their property and operations. For example, Ohio has a high rate of severe weather events, such as tornadoes, hailstorms, and floods, that could damage the building or its contents.

A customized property insurance policy can include coverage for:

• Building: Covers the cost of repairing or replacing the structure of the bar or tavern if it is damaged by a covered peril.
• Business personal property: Covers the cost of repairing or replacing the equipment, furniture, inventory, and signage inside the bar or tavern if they are damaged by a covered peril.
• Business income: Covers the loss of income if the bar or tavern has to close temporarily due to a covered peril.
• Equipment breakdown: Covers the cost of repairing or replacing the electrical, mechanical, or refrigeration equipment if they break down due to a power surge, operator error, or other cause.
• Spoilage: Covers the loss of perishable food and beverages if they spoil due to a power outage, equipment breakdown, or contamination.
• Crime: Covers the loss of money or property due to theft, burglary, robbery, employee dishonesty, or forgery.
• Outdoor signs: Covers the cost of repairing or replacing outdoor signs if they are damaged by a covered peril.

Property insurance for bars and taverns in Ohio can vary depending on the size, location, and type of business.

Workers’ compensation insurance is required by Ohio law for employers with one or more employees, including part-time workers. This type of insurance provides benefits to employees who are injured or become ill while on the job. Workers’ compensation covers medical expenses, lost wages, and career rehabilitation for injured or ill workers. Additionally, it can cover the cost of a legal defense if the employer is sued for workplace injuries or illnesses.

Workers’ compensation insurance for bars and taverns in Ohio should be customized to meet their specific needs. A comprehensive workers' compensation policy can include coverage for:

• Medical expenses: This covers the cost of medical care and rehabilitation for workers who are injured or become ill while on the job.
• Lost wages: This covers lost wages for employees who have to take time off due to an injury or illness.
• Career rehabilitation: This covers the cost of retraining, educational expenses, and other services related to helping injured or ill workers return to work

It is important for bars and taverns in Ohio to purchase adequate workers’ compensation insurance, as this type of insurance can protect them from financial losses due to workplace accidents or injuries. Furthermore, having sufficient workers’ compensation coverage can help prevent potential legal trouble in the event of a lawsuit.

Your Ohio bar or tavern may also need business interruption coverage. This type of insurance provides financial protection if the bar or tavern has to close temporarily due to a covered event, such as a natural disaster, fire, theft, or other insured peril. Business interruption coverage can help cover lost income, pay rent and bills, and cover other expenses while the business is closed.

Additionally, it can provide financial assistance for expenses related to relocating or repairing the business.

Your customized business interruption policy should include coverage for:

• The loss of income if the bar or tavern has to close temporarily due to a covered event.
• Additional costs associated with relocating or repairing the business in the event of a covered peril.
• Payroll expenses for employees if the bar or tavern is closed due to a covered event.

Having adequate business interruption coverage can provide financial stability and help bars and taverns in Ohio get back on their feet after a disaster.

The use of technology and online services is essential for most businesses in today’s digital age. It is important for bars and taverns in Ohio to purchase cyber liability insurance to protect themselves from the financial losses associated with a data breach or other cyber-attack. Cyber liability coverage can help cover the cost of notifying affected customers, repairing damage to the business’s reputation, providing credit monitoring services for affected customers, and other legal costs related to a cyber-attack.

A comprehensive cyber liability policy should include coverage for:

• The cost of notifying affected customers if their data is compromised in a cybersecurity incident.
• The cost of legal fees related to a cyber-attack.
• The costs associated with repairing and restoring the business’s reputation after an attack.
• Credit monitoring services for affected customers if their data is compromised in a cybersecurity incident.

Many businesses underestimate the cost of a cyber-attack and fail to purchase the necessary coverage. It is important for bars and taverns in Ohio to invest in cyber liability insurance, as this type of policy can provide financial protection from costly data breaches or other cyber-attacks.

On average, a bar owner can expect to pay around $2,060 per year for liquor liability insurance, which comes to about $170 per month. Business owners should keep in mind that the cost of their policy may vary based on a variety of factors, such as the size and location of the bar or tavern.

The cost of workers’ compensation coverage will depend on several factors, such as payroll costs and classification codes. The average premium for workers’ comp coverage is around $0.74 per $100 of payroll in Ohio, so a bar or tavern with an annual payroll of $50,000 will pay around $650 for workers’ comp coverage each year.



The cost of business interruption insurance and cyber liability insurance will vary based on the size and type of business. It is best to speak with an insurance agent or broker to get an accurate quote for these types of policies.

The skilled agents at Bellwether Insurance have decades of experience helping bars and taverns in Ohio find the right coverage for their businesses. We work with dozens of leading insurance companies to offer competitive rates for a variety of policies, including liquor liability, workers’ comp, business interruption, and cyber liability coverage.



Reach out to us today for more information about bar and tavern insurance in Ohio, and to get a free quote for your business.