Bar and Brewery
Workers' Compensation Insurance

We've developed affordable insurance programs for Bars and Breweries.

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Prefer 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.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Carriers for Bar and Brewery Coverage

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for Bars and Breweries.

Accident Fund

Employers Insurance Company- Small business workers compensation insurance.

Employers Insurance

Employers offers excellent rates as well as claims assistance for bars and related workers' comp classifications.

Employers Insurance

Buy Birkshire Hathaway Guard workers comp insurance.

Birkshire Hathaway Guard

Berkshire Hathaway GUARD is currently licensed to sell workers' compensation insurance in nearly all states. Great insurance company for taverns.

Guard Insurance

State Auto is a fast growing insurance company with a very broad underwriting appetite.

State Auto

State Auto has some excellent rates for hospitality services including bars, taverns, breweries and restaurants.

State Auto Insurance

ICW Group is a national insurance company that quotes workers comp in most states.

ICW Group

ICW Group offers great coverage for all types of bars and drinking establishments. They have outstanding rates for target risks.

ICW Group

Travelers Workers Compensation Insurance.


Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for bar owners and catering companies.

Travelers Insurance

PIE Insurance began offering competitive rates on work comp in 2019 and are expanding fast.

PIE Insurance

PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.

PIE Insurance

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.


AmTrust Financial provides exceptional value for many business types within the liquor and bar business industries.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
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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 is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation 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?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • 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.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • 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.

Get Started Now

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
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How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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