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Insurance for Bars, Taverns, and Pubs
You’ve built a place where people come to relax, connect, and celebrate. But behind the good times is a serious business with real risks. Your insurance should reflect that.
We specialize in helping bars, taverns, and pubs stay protected with coverage that makes sense for the pace, pressures, and unpredictability of the industry. Whether you're running a cozy neighborhood spot or a high-volume nightlife hub, we’ll help you stay covered.
Insurance That Matches the Way You Work
Owning a bar isn’t like owning any other business. Liquor service, late hours, and entertainment bring unique exposures that generic policies often miss. We take the time to understand your setup and design coverage that works with it.
We work with:
Craft beer bars and taprooms
Neighborhood taverns
Cocktail lounges and wine bars
Sports bars and live music venues
Your atmosphere might be laid-back, but your protection shouldn’t be.
Why Bar Owners Trust Us
✓ Liquor Liability That Fits Your Operation
We understand the risks that come with alcohol service and help you stay protected from the claims that matter most.
✓ Real Support When You Need It
Our team speaks your language and makes the process clear. No generic advice. Just practical help when it counts.
✓ Smart Risk Management
We help you reduce liability from incidents like slips, fights, or equipment failures by planning ahead and identifying high risk situations.
✓ Coverage That Keeps You Running
A claim shouldn't stop the music or shut down service. We focus on fast resolution and minimal disruption to your business.
Understanding Dram Shop Laws: Why Bars and Restaurants Need Liquor Liability
What’s Typically Covered?
Our tailored insurance programs typically include:
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General Liability
Covers third-party injuries, property damage, and legal defense
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Liquor Liability
Protects against alcohol-related incidents
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Commercial Property
Protects your building, equipment, furnishings, and inventory.
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Business Interruption
Reimburses lost income and operating expenses after a covered event
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Equipment Breakdown
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Umbrella Liability
Adds extra coverage when primary liability policies reach their limits.
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Crime Coverage
Helps protect against theft, fraud, or employee dishonesty
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Event & Entertainment
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Workers’ Compensation
Covers medical costs and lost wages for employees injured on the job.
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Employment Practices Liability (EPLI)
Covers claims of wrongful termination, discrimination, or harassment.
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Commercial Auto
For vehicles that are company owned and used for deliveries, catering, or supply runs.
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Hired & Non-Owned Auto
Covers liability if employees use personal or rented vehicles for business purposes, such as deliveries, catering, or supply runs
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Food Spoilage and Contamination
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Cyber Liability
Covers data breaches, ransomware, or stolen payment information.
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Key Person Life Options
Talk to Someone Who Knows Your World
You don’t need a generic insurance agent. You need someone who understands the business behind the bar. Let’s talk.
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240 S. Westmore Meyers Road, Lombard, IL 60148
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concklin@concklin.com
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630-268-1600