Table of contents
Business insurance is important for your bar. It can cover costs when a drunk guest injures himself or injures others while in the premises. You can also use this to cover bar furniture, equipment, and decors. A bar insurance program covers all the exposures associated with the operations of bar businesses. Read this guide to know what policies are included, how much premiums cost, and the best companies.
Bar insurance protects your bar business against lawsuits, property damage, employee injuries, and more. This is an insurance product that’s in the same league as pub insurance. Common insurance policies included in this are general liability, commercial property, and workers’ compensation. If you have specialized risks, cyber liability insurance, and other policies can be also added.
Insurance companies underwrite and sell bar liability insurance as a general liability policy and liquor liability policy. The first two sections below discuss how each works.
| CoverWallet | NEXT (Best) | Thimble | GEICO | FLIP | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Excluded | Excluded |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Excluded | Excluded |
| Food-borne illness endorsement included? | No | Yes | Yes | Excluded | Yes |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | No | No |
| Name additional insureds? | Yes | Yes | Yes | No | No |
| Deductible | $0 | $0 | $0 | $0 | $0 |
A bar must have general liability insurance to protect itself from lawsuits that customers file after sustaining bodily injuries or property damage.
Bodily injury and property damage claims are very devastating. For example, a bar in Melbourne had to pay $1 million to a customer who got blinded by a pot plant.
Use the table above to see which insurance company offers the best general liability insurance for your bar.
General liability insurance, which is also a common inclusion in nightclub insurance bundles, protects your bar by covering the following expenses if a customer or any other third party files a claim for bodily injuries or property damage:
Medical treatment
Reimbursement for property damage
Settlements
Attorney fees and other legal defense costs
Court judgments
General liability insurance will grant coverage when any of these situations happen in your bar:
A patron slips and falls
Your employee is serving liquor. The glass slips from his hand and it falls. The shards of glass injure the patron
An independent contractor gets electrocuted while maintaining the lighting of your bar
Yes. You’re responsible for the injuries or property damage of persons who get involved in a fight while on the premises of your bar. And so, general liability insurance for bar owners can provide coverage.
General liability insurance can cover claims for food poisoning but not alcohol intoxication. Food poisoning claims can be covered because you can add a food-borne illness endorsement to the general liability policy of your bar.
The food-borne illness endorsement will cover medical treatment and legal defense expenses if a patron experiences an allergic reaction or symptoms of food poisoning after eating your bar’s dishes.
Clients can’t only sustain property damage or bodily injuries because of accidents and barfights. Alcohol intoxication can also be a reason. Moreover, your bar can infringe the liquor laws of the state, city, or municipality where it’s operating. And so, you need liquor liability insurance for bars and taverns.
A liquor liability policy in bar tavern insurance bundles takes care of the cost for medical treatment, legal defense, reimbursement for property damage, and other legal expenses if any of the following happens:
A patron loses consciousness or suffers breathing difficulties because an employee overserved him or her with alcohol
Your bar negligently sold alcoholic drinks to minors
An intoxicated patron injures himself while dancing at the dance floor of your bar
An intoxicated patron injures other patrons
A liquor liability policy is an insurance required for bars. States, cities, and municipalities might not grant a business permit if you don’t have this. To ensure that you comply with the mandated minimums, see to it that you have a $1 million-$2 million liquor liability insurance. If you’re planning to hire an independent bartender, see to it that he or she has a liquor liability policy where you can be named as an additional insured.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | |
|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $25,000 | $25,000/$500,000 |
| Contents coverage limit (minimum) | $50,000 | $25,000 | $25,000/$500,000 |
| Outdoor signs | Excluded | $2,500 | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 |
| Money and securities | Excluded | $2,500 | $1,000 |
| Lock and keys | Excluded | $2,500 | Excluded |
| Business interruption floater | Excluded | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 |
Your bar is prone to fire. The liquor stored inside it can easily catch a spark and cause a large flame. Of course, there is a lot of lighting and this can overload the circuit. It’s also possible for someone to throw a lit cigarette butt in the trash can.
Building a bar costs $110,000 or more. This is why it’s important to include a commercial property policy in your cocktail bar insurance. Use the table above to see which insurance company offers the best commercial property insurance for bars.
A commercial property policy is the bar business insurance that will cover the actual cash value or replacement cost of your bar’s building if it gets damaged or destroyed due to:
Fire
Theft
Vandalism
Sinkhole collapse
Volcanic action
Lightning
Weather
Impact
Falling objects
Aircraft
Vehicle
Sprinkler leakage
Yes. Commercial property insurance for bars and nightclubs doesn’t only cover the building but also the liquor and other stocks. That said, you can receive reimbursement for losses if your stock is damaged or destroyed because of the above-mentioned perils.
A food spoilage endorsement, which is a common inclusion in pub and bar insurance programs, will reimburse the estimated value of food ingredients and other perishable stocks that spoiled or got damaged because of power outage, pests, and equipment breakdown.
| CoverWallet | Thimble | NEXT (Best) | |
|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 |
| Commercial property coverage limit | $50,000 | $25,000/$500,000 | $25,000 |
| Optional policies can be added? | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes |
A business owner’s policy is usually included in small bar insurance bundles. This insurance is made by combining general liability insurance and commercial property insurance. You’re eligible for a BOP if you’re the owner of a growing startup bar business. Use the table above to see which insurance company offers the best business owner’s policy for bars.
Since it’s a combination of general liability and commercial property insurance, your bar can use a business owner’s policy to:
Pay for medical treatment, property damage reimbursement, legal defense, and other resulting costs if a claim for bodily injury or property damage is filed
Recover financial losses if your bar’s building, stocks, and equipment gets damaged or destroyed
Yes. This bar insurance policy can be added with cyber liability, customer property endorsement, non-owned/hired auto liability coverage, product liability coverage, and others depending on which insurance company you work with.
| NEXT | Thimble | FLIP (Best) | |
|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | $50,000 |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 |
Your bar can’t run without specialty tools and equipment. For making food, you need ovens, grinders, stoves, and mixers.
To keep things clean and orderly, you need hand sanitizers, vacuum cleaners, and mops. Of course, we must not forget the things you need to serve beverages such as ice crushers, ice machines, and dispensers.
The tools and equipment for your bar are pricey without a doubt. Cover all of them through tools and equipment insurance. Use the table above to see which insurance company offers the best tools and equipment insurance for bars.
Tools and equipment insurance is the insurance policy that will refund the value of bar equipment in case of damage or cover the repair expenses in case of destruction caused by the following perils:
Fire
Theft
Vandalism
Operator error
Upset
Mechanical breakdown
Electrical surge
Electrical shorts
Tools and equipment insurance don’t cover factory defects. The same goes for normal wear and tear. If you discovered the factory defect early, we suggest you return it to the retailer or manufacturer and make use of its warranty.
Work-related injuries are one of the most common and costly exposures for bars and any other businesses. The bureau of labor statistics assumes a 3.6 incidence rate per full-time worker. Moreover, it’s estimated that business owner’s spend $1,100 for each worker injured.
It’s smart to get workers’ compensation insurance so that your bar can provide adequate compensation when an employee sustains a work-related injury or illness. Moreover, your bar needs this to comply with the regulations that all employers must follow.
Workers’ compensation insurance will kick in if any of these happens in your bar:
An employee is injured by a drunk customer
An employee sustains burns while cooking
An employee gets wounded while using a cooking equipment
An employee slips and falls while serving food and drinks to customers
An employee gets involved in a vehicular accident while doing deliveries for your bar
No. The local musicians you hire are considered as independent contractors. The worker’s compensation policy of your restaurant and bar insurance bundle only insures part-time and full-time employees.
Include a commercial auto policy in your bar restaurant insurance bundle if you own a commercial vehicle that employees use to deliver food and haul stocks from local suppliers. This insurance will cover:
The medical treatment of third parties who got injured in a vehicular accident caused by your bar’s commercial vehicle
The repair of your bar’s commercial vehicle if it got damaged because of a collision, fire, theft, vandalism, weather, and other covered perils
The employee’s medical treatment if he or she gets involved in an accident while driving your bar’s commercial vehicle
Are you afraid of completely draining the funds of your general liability or liquor liability policy? If yes, then purchasing excess liability insurance will give you peace of mind.
Excess liability insurance is a coverage that extends the limits of your general liability or liquor liability policy. That said, this one doesn’t cover any claims filed by anyone against your business.
Here’s an example for you to understand. Say a customer files a $3 million claim against your bar. Your general liability policy only has $2 million. There’s still $1 million left to be covered, and excess liability insurance will cover this remaining amount.
Your juice bar certainly uses a POS machine and a computer to process, record, and track sales. If you’re into digital marketing, then your bar also has a website.
The sensitive information collected by your POS machine, computer, and website can be leaked due to cybersecurity issues or cyberattacks. If this does happen, cyber liability insurance will grant help by covering the following costs:
Credit and fraud monitoring
Professional services for fixing and containing the data leak
Legal expenses if affected customers decide to sue
Public relations
Employment practices liability insurance takes care of legal defense costs and court judgments if an employee of your bar files a claim after experiencing sexual harassment. Claims for wrongful termination, retaliation, negligent hiring, failure to promote, exploitation, and other violations of employee rights are also covered.
If your bar’s activities are centered on drinks and the live viewing of sports events, then a sports bar insurance program provides the most comprehensive protection. Policies included are general liability, commercial property, product liability, liquor liability, commercial property, and assault and battery insurance.
Mobile bar insurance is an insurance program catered for bar owners who do business through customized trucks, trailers, and other vehicles that can be used as a food establishment on wheels.
Policies that comprise this are general liability insurance, liquor liability insurance, and commercial auto insurance.
The general liability policy of mobile bar insurance has a business equipment endorsement and inland marine endorsement.
On the other hand, the commercial auto policy comes with a mobile bar trailer insurance endorsement, which takes care of costs if the trailer attached to the vehicle sustains damage because of fire, theft, vandalism, and other covered perils.
A juice bar insurance program is a coverage for bars that specialize in fruit and vegetable beverages. Common policies included in juice bar insurance are general liability, commercial property, workers’ compensation, commercial auto, and equipment breakdown insurance. Premiums cost $53 per month or $636 per year.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $180 | $2,160 | $0-$500 |
| Liquor liability insurance | $215 | $2,580 | $500-$1,000 |
| Commercial property insurance | $250 | $3,000 | $1,000-$2,500 |
| Business owner’s policy | $300 | $3,600 | $500-$1,000 |
| Workers compensation insurance | $210 | $2,520 | $2,000-$5,000 |
| Commercial auto insurance | $190 | $2,280 | $1,000 |
| Umbrella liability insurance | $182 | $2,184 | $500-$1,000 |
| Cyber liability insurance | $195 | $2,340 | $1,000 |
| Employment practices liability insurance | $220 | $2,640 | $500-$1,000 |
The average bar insurance cost is $180 per month or $2,160 per year for a $1 million general liability policy. Business size, business history, number of employees, the specific activities, claims history, and location are some of the factors that affect the bar insurance cost. Consider doing these things to reduce the cost of insurance for a bar you own or manage:
Have a working risk management strategy that’s designed by consultants
Bundling two or more insurance policies
Avail policies as endorsements if possible
To give you a further idea of the insurance cost for a bar, we made this table showing the premiums for a $1 million general liability insurance from the best companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $100 | $1,200 | Best overall; Fastest general liability insurance for bars |
| Tivly | $100 | $1,200 | Comparing bar insurance quotes over the phone |
| Thimble | $100 | 1200 | On-demand coverage for bars |
| CoverWallet | $110 | $1,320 | Comparing bar insurance quotes online |
| GEICO | $115 | $1,380 | Existing GEICO policyholders who own a bar and want a coverage for their business |
| FlIP | FLIP doesn’t state the average cost of its general liability insurance for bars | FLIP doesn’t state the average cost of its general liability insurance for bars | Tools and equipment insurance for bars |
Get all the best quotes from leading providers in a click of a button!
Work with the right insurance company and you’ll enjoy comprehensive coverage at a justifiable price. Here are some reviews of the best bar insurance companies. Read to know their pros, cons, and cost of a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for bars
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT covers bar businesses that have recently started or are beginning to pick their pace. But note that due to the intricate exposures in the food and beverage industry, NEXT partners with Tivly to protect your business. Policies you can get from this bar insurance company are general liability, commercial property, business owner’s policy, workers compensation, and more.
Best for: Best overall; Fastest general liability insurance for bars
Average cost: $100 per month
Our rating: 10/10
Compare bar insurance quotes online
Easy online policy management
Name landlords as additional insureds
Cancel your policy anytime with no charges
Not an insurance company but an insurance broker
CoverWallet is an insurance broker that helps you find the best coverage for your bar business through its online quotes comparison platform. Use this then provide some basic details and you’ll be able to see the quotes of different insurance companies.
The quotes from this bar insurance brokerage feature a $1 million general liability insurance, $50,000 commercial property insurance, workers compensation insurance, commercial auto insurance, and a business owner’s policy.
Best for: Comparing bar insurance quotes online
Average cost: $110 per month
Our rating: 10/10
Compare bar insurance quotes over the phone
Responsive customer service
A partner of many insurance companies
BBB accredited
You need to call to get a quote
Tivly (formerly CommercialInsurance.NET) works with NEXT, Thimble, and other insurance companies to cover bars. Policies you can get from this company are general liability, commercial property, workers compensation, cyber liability, and more. You can request a quote online. However, the limits and other features of your coverage will be discussed by an agent. That said, call Tivly now to compare quotes over the phone.
Best for: Comparing bar insurance quotes over the phone
Average cost: $100 per month
Our rating: 10/10
Specializes in food and beverage businesses
Hefty tools and equipment insurance limits
Numerous add-ons to your policy
Add-ons are very pricey
FLIP’s bar insurance offers a $2 million general liability and liquor liability policy. At an additional cost, you can include cyber liability, tools and equipment, excess liability, and other policies to your insurance bundle.
Best for: Tools and equipment insurance for bars
Average cost: FLIP doesn’t state the average cost of its general liability insurance for bars
Our rating: 10/10
On-demand coverage
Sells an event insurance package for bars
Issues an online certificate of insurance
You can’t reach customer service by calling
Similar to NEXT, Thimble works with Tivly to grant insurance coverage for bar businesses. If your bar hosts commercial events from time to time, Thimble is a good choice because it offers an events insurance plan that can be canceled any time.
Best for: On-demand coverage for bars
Average cost: $100 per month
Our rating: 9/10
Discounts are available if you’re an existing GEICO customer
Quick to issue online quotes
Easy to file a claim online
Your bar insurance quote might come from a third party
GEICO offers general liability, commercial property, business owner’s policy, cyber liability, workers compensation, and commercial auto insurance for bars. What makes GEICO great is if you’re an existing policyholder, you’ll enjoy a discount for the premiums of the policies we mentioned.
Best for: Existing GEICO policyholders who own a bar and want a coverage for their business
Average cost: $115 per month
Our rating: 9/10
Bars, pubs, taverns and nightclubs are some the most common places for leisure and entertainment. As a bar, pub, tavern or nightclub owner, you know what works for your customers. You deal with all kinds of people, with many coming in for drinks and to have a good time.
While bars and nightclubs are places of entertainment, you cannot predict what will happen. When things get out of hand, the damage is inevitable. Be it broken tables or damaged chairs, you may count lots of losses. So very similarly to coffee shops and restaurants that require liquor liability as well and hire bartenders , you need insurance for bars and taverns, nightclubs and pubs as well.
Tavern, pub, nightclub and bar insurance policies are very important for your operations as such business owner. To help understand the importance of having pub, nightclub, bar or tavern insurance coverage, we will discuss its policies and what it covers. We will also mention its cost and few of the top restaurant and bar insurance companies that you can get it from.
Also read:
Bars, nightclubs, and taverns have more to worry about than the demand for foods and beverages. These locations are prone to slip and fall accidents; therefore, as a bar operator, it could cost you a lot of money. Furthermore, you cannot rule out fights between your security personnel and rowdy customers that may result in serious injuries. In such cases, you could face battery and assault claims. Bars also have bull rides and other fun spots; the bull ride might have mechanical problems, tossing people around and causing deadly injuries.
Therefore, it is important to have bar and nightclub liability insurance, as it is the type of business insurance required for bars, nightclubs, pubs and taverns, covering you from potentially costly claims. Getting reliable liability insurance for bars and nightclubs will go a long way in safeguarding your great business.
Generally, tavern, nightclub, bar or pub liability insurance protects any business that sells, manufactures, or serves alcohol against claims coming from other parties involved. These claims could come from your customers, vendors, business owners or employees, depending on the cause. It is important to note that business insurance companies interpret tavern, bar, nightclub and pub liability insurance policy differently. Some cover host liquor liability, the on-site sale of liquor, on their general liability insurance coverage, while others are restricted to bars and nightclubs. Therefore, you should thoroughly analyze a company’s pub, bar, nightclub or tavern liability insurance policy before purchasing it. You also need to know the risks it covers and its policy details. You want to make sure that your policy includes liquor liability. This will help you get the best tavern, pub, nightclub and bar liability insurance coverage.
Also read:
Farmers Market Insurance for Vendors: Liability Quotes From $5
Grocery Store & Supermarket Insurance: Cost & Quotes From $11
Get all the best quotes from leading providers in a click of a button!
Owning an entertainment joint is an exciting venture. Whether it is a bar, nightclub, tavern, or pub, you will generate a good amount of money. While this is a lucrative business, you need to get your business insured. This section discusses the cost of insuring these businesses.
If you own a pub, it is essential to get commercial pub insurance coverage. Pubs are generally busy places, and the risk of damage is high. Luckily, the average cost of pub insurance is $165 per month. Keep in mind that several factors determine the pub insurance average cost. For instance, if your pub is exposed to many risks, your insurance cover could be expensive. Besides, the type of pub business insurance policy you purchase also determines the pub insurance cost. Also familiar as public house insurance, this policy covers injury to your staff and customers, loss of stocks, and other essentials in your pub. Even if you own an insured hotel , you need to make sure that you have hotel and pub insurance coverage included, to be covered from all risks your business may face.
Also read:
A tavern is a business place where people gather to enjoy alcoholic beverages and eat food. Taverns also offer lodging services to travelers. If you own a tavern, getting tavern insurance is very important. The average cost of tavern insurance is $155 per month. The cost varies depending on the type of insurance policy you want and the risk your tavern is exposed to. The more comprehensive a policy is, the more expensive it is.
Bar insurance cost depends on the unique risks your bar faces, the policies you choose, and your business equipment’s value. The cost of bar business insurance policy varies, however the average cost of bar insurance is around $180 per month, depending on the policy you choose. You can also choose to pay for the policy annually and save. Either way, you need to find a reliable bar insurance policy tailored to your bar business needs.
Owning and operating a nightclub can be a very lucrative and exciting endeavor. However, these businesses often need high initial investment. With so much at stake, it is essential to protect with nightclub business insurance. The average nightclub insurance cost is $160 per month. Note that the cost varies depending on the type of insurance policy and risks your nightclub faces, as well as how much coverage you require.
Here is a summary of how few of the top providers charge monthly and annually on their nightclub, tavern, bar and pub insurance quotes:
| Company | Monthly | Annually |
|---|---|---|
| Coverwallet (quote comparison) | $70 | $840 |
| El Dorado Insurance | $165 | $1,650 |
| Next Insurance | $105 | $1,260 |
| Greenwood Insurance | $160 | $1,635 |
If you own and operate a mobile bar, it is vital to get mobile bar insurance. Mobile bar insurance policy is helpful because it protects your business when things go wrong. Given that you probably earn a living through your mobile bar, things could go wrong in case something happens to it. Unfortunately, the chances of such events happening are substantial due to the many risks associated with a mobile bar.
Depending on the type of mobile bar business, mobile bar insurance covers different policies. Here are some of the incidences mobile bar insurance covers.
A mobile bar is a vehicle with a bar in it. With a mobile bar, you can move from one point to another to offer services to your clients. While it is cost-efficient given that you use a truck, it doesn’t rule out the possibility of theft or loss. Thugs can break into your vehicle and steal valuable bar equipment. For instance, they could get away with expensive alcoholic drinks that cost thousands of dollars.
Similarly, you can lose essential equipment that helps you run the mobile bar business. These cases result in severe financial losses that could affect your mobile bar business. Luckily, you can prevent all that with mobile bar insurance. This policy will protect your equipment against theft and other losses.
Your mobile bar vehicle is like any other vehicle ; it can be involved in an accident. For instance, you could be driving to another location and accidentally hit a person, causing injuries. In that case, the victim will file a claim against you. This can result in severe financial losses, given that the average personal injury settlement is $50,000. Similarly, when a customer slips and falls due to spilled drinks in your mobile bar, they could file a claim against you. Mobile bar insurance protects you against these claims. Therefore, you must get mobile bar insurance for your business.
Get all the best quotes from leading providers in a click of a button!
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
0 / 10
Not recommended, worst company I've dealt with. Denying claims regularly.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Highest level of plan and customer service
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
My experience with AAA's business insurance was fairly good. Customer service is excellent, coverage is broad, claims process was efficient. I do recommend them.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
Not all those who wander are lost.
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