Bar Insurance in Vermont

T.S. Peck Insurance
Bar Insurance Vermont

What is Bar Insurance?

Running a bar in is a serious undertaking that requires a substantial investment, and the time and financial resources poured into this type of business should be protected when possible. Bar insurance helps owners drinking establishments in Vermont protect their businesses from a variety of potential risks,

Bar insurance policies are specialized commercial policies designed to meet the risk mitigation needs of bars and similar establishments. Because these businesses generally face multiple risks policies are usually underwritten as package policies that come with several coverages.

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Client Testimonials

“I just wanted to take a moment to let you know how great I think Caroline Collins is. – Every time I call to update my policy(and I have updated it a lot over the years) Caroline has been nothing but amazing to deal with. She takes care of all my needs in real time which is amazing. She is very personable, always respectful, extremely knowledgeable, and just all around awesome to deal with. I truly enjoy dealing with her and think she is a huge asset to your business from where I sit.”

Jason C.

“Friendly and prompt – I have been with T.S Peck for many years and have no complaints with their trusted service. They have always taken a friendly approach to their craft and are always willing to answer all of my questions!”

John S.

“We Contacted T.S Peck Insurance to inquire about auto insurance/ After with with Jake, we explored combining our auto and home insurance, in turn realizing a big savings.”

Lary P.
“When I called for a quote, my agent was personable and helpful. He always got back to me quickly with answers, which is extremely important. The entire process was handled in a timely manner and was able to meet my expectations and beyond.”
Dayne D.
“Jake Hynes and the folks at T.S. Peck have been awesome to work with! As a recent start-up, we were new to the “buying business insurance” scene. One phone call and all our concerns were laid to rest. The service has been great and the prices are very competitive. We recently price shopped again and found we were still in the best hands!”
Scott L.
Bar Insurance Vermont

What Vermont Establishments Need a Tavern Insurance Policy?

A wide range of drinking establishments in Vermont may want a tavern insurance policy. The protections contained in this type of policy may be appropriate for bars, pubs, taverns and some other establishments that serve adult beverages.

Tavern insurance isn’t necessarily right for every business that serves alcohol, though. Although nightclubs, restaurants and caterers that offer adult beverages may have similar coverage needs, these businesses will usually find that they’re a little better protected from the unique risks they face by a slightly different policy. Respectively, nightclub insurance, restaurant insurance and catering insurance are normally better options for these businesses.

Businesses that find themselves in gray areas when trying to figure out how they’re categorized should speak with an insurance agent who has specialized in bar and similar insurance policies. A knowledgeable agent will be able to recommend the best commercial insurance option based on a business’ specific situation.

What Protections Are Available Through Tavern Insurance?

As noted, tavern insurance frequently offers multiple protections in order to protect against a variety of risks. Many of these can be categorized as either liability or property coverages.

Some of the liability protections that a policy may make available include:

Some of the property coverages that a policy may offer are:

  • Commercial Building Coverage, which may cover an owned building
  • Commercial Contents Coverage, which may cover large equipment, smallwares and inventory
  • Tenants Betterment Coverage, which may cover improvements made to a leased area
  • Food Contamination Coverage, which may cover spoilage following a disaster
  • Equipment Breakdown Coverage, which may cover repairs of certain equipment

In addition to these protections, businesses sometimes also get cyber liabilitybusiness interruptionemployment practices liability and other coverages. A knowledgeable agent can assist with coverage selection so that a bar is well protected.

Bar Insurance Vermont

Do Bars Need Workers Compensation Insurance?

Workers compensation, which generally covers job-related illnesses and injuries that employees suffer, is normally required by Vermont state law if a business has wage- or salary-earning employees. Since most bars have employees, this insurance is widely needed within the industry.

Whether workers compensation is procured through a tavern policy, however, varies from one policy to the next. Some bars might end up purchasing the coverage as part of their package policy, while others might get the coverage via a separate, more specific policy. Agents who are familiar with tavern policies likely also help businesses explore the available workers compensation insurance options.

How Can Establishments Get Bar Insurance?

For assistance insuring a bar or similar establishment in Vermont, contact the independent insurance agents at T.S. Peck Insurance. Our agents are able to request quotes from different insurance companies in the state, and they have the expertise necessary to help you accurately compare each one. With their assistance, you can be confident in the bar insurance policy that you ultimately select.

Get in touch with our team!

T.S. Peck Insurance

For questions or concerns, please contact our independent insurance agents.

Office: 41 IDX Drive, Suite 135
South Burlington, VT 05403

Office: 158 Lake St,
St Albans, VT 05478