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Hospitality Insurance for Businesses & Professionals

With over 50 years of experience in hard-to-insure industries under our belt, El Dorado Insurance Agency is the partner you need, with the experience you need to protect your investment and potentially save your business.

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Hospitality Insurance for Bar Owners
Nightclub & Bar Insurance

Build Your Bar Business or Go Bust: Why Nightclub & Bar Insurance Could Make the Difference

Adding alcohol to the menu is a surefire method to boost revenues, but it can also be a recipe for business disaster.

For new bar or nightclub owners that aren’t aware, Dram shop laws are designed to prosecute bar and nightclub proprietors, bartenders and wait staff who over-serve alcohol to their customers. In general, dram shop laws favor the plaintiff, even if the person suing you is the very same patron who got drunk at your bar, left and got into a drunk driving accident!

In this case and many more, standard business liability insurance will not be enough to protect your business and recoup expenses if you are sued.

With over 50 years of experience in hard-to-insure industries under our belt, El Dorado Insurance Agency is the partner you need, with the experience you need to protect your investment and potentially save your business.

Nightclub & Bar Insurance: What Is It?

Wherever alcohol is sold and served, special considerations arise. Alcohol consumption (like secondhand tobacco smoke) has the potential to affect innocent non-imbibing patrons and partakers alike.

For this reason, nightclub and bar owners must take care to carry the right type of insurance to protect their investment and operation. It is also essential to select a trustworthy, experienced and established insurance professional with a wide variety of knowledge within difficult-to-insure industries.

Why El Dorado for Hospitality Insurance?

El Dorado Team Members
Josh Ring, President, Working on Customized Quote
El Dorado Located in Houston, TX


We understand the importance of responding quickly in a crisis. We do our very best to ensure the fastest response times when you need us most.


We have over 50 years of experience and we have worked hard to be a respected industry leader.


You want the people that handle your money and your insurance to be just a little obsessive about it. We make sure every I is dotted and every T is crossed to ensure you get the very best coverage possible and that you are covered when you need it the most.


We know that trust is crucial in every business relationship – but particularly in the insurance industry. We have worked hard to build and establish trusted relationships with all of our clients and hope to do the same with you.


Sometimes, when companies have been around as long as we have, they get jaded and lose the eagerness to serve their clients that newer companies have. We are still every bit as eager to serve our clients as we were when we first opened the doors.


Our Insurance Specialists are experts who fully grasp the unique nature of the Hospitality & Security industry.


We don’t believe in “one size fits all” insurance. We will customize a package specifically to meet your individual company needs.

Nightclub & Bar Insurance: What Do I Need?

El Dorado Insurance Agency will work with you to created a customized insurance package based on your unique needs as a Bar or Nightclub operator. The following list represents many of the typical options that can be included in a customized insurance package for your business

General Liability

General liability is, as its name suggests, protective of the building structure, contents, general premises and any incidents not directly traceable to alcohol consumption (for this, see “liquor liability”).

Liquor Liability

Liquor liability insurance is simply not optional for any establishment serving or selling alcohol.

Event Liability

For live events on the premises, event liability insurance covers all the possibilities that cannot be foreseen, as well as many that can.

Bouncer Liability

In the event that a bouncer’s need to remove an intoxicated patron requires causing unavoidable harm to that patron, this policy will protect the business and the bouncer.

Assault and Battery Liability

It is simply impossible to predict how consuming alcohol will affect every patron that walks into the bar or nightclub. Some may become mellow and others may get belligerent. Assault and battery liability is thus one of the most essential riders to carry in this business.

Garage-Keeper Liability

For any bar or nightclub offering valet parking, this can be a real benefit if a vehicle sustains damage while on the bar or nightclub property.

Concert Liability

For bars and nightclubs that feature local or out of town entertainers, there may be a requirement to carry this liability rider.

Workers Compensation Insurance

An on-site worker injury can be very costly to a business that lacks workers compensation insurance.

Why Insure With El Dorado Insurance Agency?

With 50+ years of operation, El Dorado Insurance Agency has earned its reputation as an affordable, trusted insurer for difficult-to-insure industries. With our outstanding network of commercial insurers, you will always get the most insurance for the lowest rates. Visit our Application Center to apply or give us a call today! We look forward to serving you!

Call Us Today! 1-800-221-3386

We want to build a trusted relationship with you, but we can’t do that unless you reach out and give us a chance to show you what we can do for you. Remember, a phone call doesn’t cost anything and could potentially be the start of a great business relationship. Let us show you why we have been an industry leader for more than five decades!

Nightclub bouncer at concert event venue

Additional Coverages for Nightclub & Bar Businesses

In building a customized insurance package tailored to the needs of each unique hospitality business, sometimes it becomes necessary to add certain additional riders to an insurance bundle.

Unemployment Insurance

Currently required in all 50 states.

Disability Insurance

Currently required in some states.

Medical Insurance

Currently required under federal law for any bar or nightclub with 50+ full-time employees.

Business Interruption

This rider covers loss of business income due to utilities outages and other reasons.

Equipment Insurance

This coverage provides for necessary repairs of equipment and/or appliances.

Specialty Contents Insurance

This rider will insure items not covered under general liability (such as alcohol inventory).

Building Insurance

For owner-operators who own rather than lease the property or building, this rider insures for the value of the structure itself.

Over 50 Years of Helping Those That Help Others

Since 1968, El Dorado Insurance Agency, Inc. has been filling the insurance needs of hard-to-insure businesses and individuals.