Property and liability insurance coverage on bars is difficult to place because ofhazards, loss history, and clientele. Bars may be located in urban high crime areas or in isolated rural areas that makes them theft targets because of the appeal of their liquor inventory and the day’s receipts. Many bars still permit smoking which can create an explosive situation when combined with alcohol. Liability hazards are the traditional premises slips and falls on premises and in parking lots that are aggravated by liquor-impaired judgment. Many bars offer activities such as dancing, live-entertainment, games, and contests that can significantly increase their exposure to loss. All bars have vicarious liquor liability exposures but the degree of the exposure depends on laws in the particular state.
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