Bar and Brewery
Workers' Compensation Insurance
We've developed affordable insurance programs for Bars and Breweries.
Let's Shop CoveragePrefer to speak with A Workers' Compensation Specialist?
Give us a call today at 888-611-7467
Workers' Comp Coverage for Bars and Taverns
We've been helping Bar and Brewery owners find more affordable insurance coverages for over 15 years. Our experts understand the unique underwriting requirements from the insurance companies. That's why we've developed programs designed to help you get the best rates and most flexible payment options.
We partner with the best carriers writing bar and tavern insurance coverage.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top Carriers for Bar and Brewery Coverage
Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.
Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for Bars and Breweries.
Employers Insurance
Employers offers excellent rates as well as claims assistance for bars and related workers' comp classifications.
Birkshire Hathaway Guard
Berkshire Hathaway GUARD is currently licensed to sell workers' compensation insurance in nearly all states. Great insurance company for taverns.
State Auto
State Auto has some excellent rates for hospitality services including bars, taverns, breweries and restaurants.
ICW Group offers great coverage for all types of bars and drinking establishments. They have outstanding rates for target risks.
Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for bar owners and catering companies.
PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.
AmTrust Financial provides exceptional value for many business types within the liquor and bar business industries.
Shop coverage like a Pro.
Workers' Compensation Class Codes Related to Bars, Taverns and Breweries
Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.
Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.
Class Code 9084 | Bar and Brewery- All Employees
Businesses primarily engaged in hospitality services related to food and alcohol or alcohol only. A restaurant will generally fall under this class code when more than 50% of gross sales are derived from the sell alcoholic beverages such as beer, wine or liquor. Businesses often include bars, nightclubs, lounges, and taverns. Sports bars, restaurants and caterers may also fall under this code depending on alcohol revenue. Musicians and entertainers can often be included under this class when performing in the venue. Many other modern ventures that derive revenue from the sell of alcohol may also be contemplated under this class. Wineries generally fall under a separate class code: 2143- Winery and Drivers.
Alternative State Class Codes for Bar and Brewery:
Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.
| Class Code | State |
|---|---|
| 9079 | Taverns and Restaurants | California / Texas |
| 899 | Bar or Tavern | Delaware / Pennsylvania |
| 108 | Brewery | Delaware / Pennsylvania |
| 9074 | Bar, Tavern, Nightclub | New York |
Synonyms: bar, sports bar, restaurant with alcohol, nightclub, tavern, lounge, brew pub, brewery.
Workers Compensation Shop.com is a national Agency, licensed throughout the United States.
Get the Best Insurance Coverage for Bars
A lot of bars and taverns are insured by their state workers' compensation fund. Others agencies are paying more than necessary and they're using installment plans based on estimated payroll. We help our customers find the best insurance rates for each unique state and set-up. Our Pay As You Go payment plans will improve your business cash flow. We work with new bar owners and other taverns and breweries with higher Experience Modification Ratings. We've been writing bars and breweries since 2005.
| Program Features |
|---|
| No Minimum Premium Requirements |
| Pay As You Go Work Comp - $0 Deposit |
| Guaranteed Cost and Deductible Options |
| National Liquor and Hospitality Expertise |
| More Markets for More Solutions |
| Commercial Package and Liquor Liability Insurance Options |
What Does Workers' Comp Cover?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
Bar Insurance Programs
The cost of insurance has been increasing for bar owners. General liability and liquor` liability insurance have been two of the major causes for the increase in insurance cost. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our workers' comp customers. Ask about our package insurance options for bars, taverns amd related hospitality services:
Liquor Liability with Assault/Battery- Claims-Made Basis, $0 Deductible
Commercial General Liability
Personal Property and Commercial Property
Umbrella Liability and more
Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our Home Health Care Workers' Comp Specialists for program details on general liability and workers' compensation insurance.
Start a quote online or give one of our experts a call at 888-611-7467.
How Much is Insurance for a Bar?
The average rate our customers pay for workers' compensation under the bar class code is around $1.50 per $100 of payroll. The average cost for a general liability insurance policy is about $1,500.
Workers' Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type of drinks sold can modify rates
- Premium discounts and policy credits may apply
General Liability Costs
- GL rates for bars are based on sales (rated per $1000)
- Gross revenue may affect pricing
- The type of establishment matters to underwriters
- Prior clams and years in business affect pricing
- SIC codes vary by industry
Liquor Liability Costs
- Liquor liability rates are based on hours and entertainment
- Gross revenue may affect pricing
- Security and drink specials matters to underwriters
- Prior clams and years in business affect pricing
Then there's Trusted Service.
Thanks for the award Feefo- Work Comp Shop
How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
- Secure
- Fast
- Easy
Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
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