Bar And Brewery
Workers Compensation Insurance
We have created insurance plans that are reasonably priced for breweries and bars.
Workers Comp Coverage for Bars and Taverns
For more than 15 years, we have assisted owners of bars and breweries in finding more economical insurance plans. Our professionals are aware of the particular underwriting specifications set forth by insurance companies. We’ve created programs to assist you in obtaining the finest deals and most flexible payment options because of this.
We collaborate with top insurers providing coverage for bars and taverns.
Pay As You Go
Boost cash flow and lower the chance of large audit costs.
Comparison Pricing
Obtain estimates from several insurance providers to guarantee the best deals.
Claims Management
To expedite the settlement of claims, our carriers employ skilled claim managers.
Our Top Carriers for Bar and Brewery Coverage
Markel FirstComp
Accident Fund
Employers Insurance
Birkshire Hathaway Guard
State Auto
ICW Group
Travelers
PIE Insurance
AmTrust
Workers Compensation Class Codes Related to Bars, Taverns and Breweries
Workers are classified according to the tasks they perform for their employers. Currently, insurance companies can classify employees using almost 800 class codes provided by the National Council on Compensation Insurance (NCCI). To price a policy, insurance companies manually calculate a rate for each class code.
Sorting employees correctly is a crucial step in obtaining quotes. Employers who were incorrectly classified may wind up with excessive coverage costs or debt following an audit.
Class Code 9084 | Bar and Brewery- All Employees
Companies that specialize in providing food and beverage services, or just alcohol services. When the sale of alcoholic beverages, such as beer, wine, or liquor, accounts for more than 50% of a restaurant’s gross sales, the establishment is often classified under this class code. Taverns, bars, nightclubs, and lounges are examples of businesses. Depending on their earnings from alcohol, sports bars, restaurants, and caterers might also be subject to this law. When they perform at the venue, musicians and entertainers can frequently be classified under this class. This class may also be used to consider a wide range of other contemporary business endeavors that generate income from the sale of alcohol. Generally, wineries are classified under a different class code, 2143-Winery and Drivers.
Alternative State Class Codes for Bar and Brewery:
States occasionally stray from the NCCI-recommended industrial class code. For some business segments, they might demand the use of a state-specific class code in place of the NCCI code.
| 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 a national Agency, licensed throughout the United States.
Get the Best Insurance Coverage for Bars
Many pubs and clubs are covered by their state’s workers compensation insurance program. Certain agencies are overpaying and employing installment programs that are predicated on salary estimates. For every distinct state and setup, we assist our clients in locating the most affordable insurance rates. Your company’s cash flow will be enhanced by our Pay As You Go payment options. We collaborate with other taverns and breweries that have higher Experience Modification Ratings, as well as new bar owners. Since 2005, we have been writing about beers and bars.
Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp – $0 Deposit
Guaranteed Cost and Deductible Options
Expertise in Liquor and Hospitality Nationwide
Greater Markets for Greater Solutions
Options for Liquor Liability Insurance and Commercial Packages
How Does Workers Comp Work?
Workers comp coverage protects employees when injured. It makes good financial sense for both parties.
Accidents and injuries occur. These mishaps and claims are covered by a no-fault scheme called workers compensation insurance. In most states, it’s mandated by law.
- Lost income for workers who can't perform job duties
- Medical expenses for injury or illness 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.
Workers compensation insurance may not always shield employers or employees from lawsuits brought on by workplace accidents.
- Injuries resulting from a violation of the law
- Accidents resulting from using 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
For bar owners, the cost of insurance has been rising. Two of the main reasons for the rise in insurance costs are general liability and liquor liability insurance. In order to give our workers’ compensation clients more economical commercial insurance packages, we’ve teamed with our insurance providers. Find out more about our alternatives for bar and tavern package insurance, as well as other hospitality services:
- Liquor Liability on a "claims-made" basis for assault and battery, with a $0 deductible
- General Liability for Commercial
- Both commercial and personal property
- Liability for umbrellas and more
Not every class code or every line of insurance coverage will be offered in every state. For more on our general liability and workers compensation insurance programs, get in touch with one of our Home Health Care Workers Compensation Specialists.
How Much is Insurance for a Bar?
Under the bar class code, our clients typically pay about $1.50 for workers compensation for every $100 of payroll. A general liability insurance coverage typically costs $1,500.
Workers Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The kind of beverages sold may alter prices.
- There may be premium reductions and policy credits.
General Liability Costs
- GL rates for bars are based on sales (rated per $1000)
- Pricing may be impacted by gross revenue.
- For underwriters, the kind of establishment matters
- Pricing is impacted by years in company and prior claims.
- Industry-specific SIC codes differ
Liquor Liability Costs
- Hours and entertainment are the basis for liquor liability prices.
- Gross revenue may affect pricing
- Underwriters are concerned about security and drink promotions.
- Pricing is impacted by years in company and prior claims.
How To Get Workers Comp
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
Real Agents, Fast Insurance Quotes
Compared to other insurance companies or organizations offering online workers compensation estimates, Workers Compensation is unique. We are authorities on ownership regulations, class codes, audits, and state legislation. The best workers’ compensation insurance quotes from reputable carriers are obtained through our quote procedure. Check it out for yourself. Give our professionals a call at or begin your online workers’ compensation quote request right now. You’ll be happy that you did.
Workers Compensation Info
- What is Workers Compensation?
- Workers Compensation Class Codes
- Experience Modification Rates
- How Much Does Workers Comp Cost?
- Workers Compensation by State
Workers Comp Programs
- Best Selling Workers Comp Programs
- Pay As You Go Insurance
- Self Monthly Workers Comp Reporting
- The Hartford Workers Compensation
- Multi-State Workers Comp Coverage
Employer Resources
- Workers Compensation Rates
- Rules for Workers Comp
- Frequently Asked Questions
- Find a Workers Comp Form
- Get Workers Compensation Quotes
Customer Service
- Certificate of Insurance
- Make a Payment
- Report a Claim
- Workers Compensation Insurance Audits
- Staff Directory
National Broker Services
- Insurance Agents
- Payroll Service Companies