Wine bars need more than general liability insurance.  They need several key other lines of coverage to protect themselves:

• Liquor liability – for claims relating to the service of alcohol
• Property coverage with food spoilage or temperature change – many policies do not cover the spoilage of wine as a result, for example, of a refrigerator failing
• Data Breach coverage – because you accept credit cards and are liability for potential claims of stolen information.

Stratum Insurance Agency can access policies that can be tailored to meet your needs.

The most commonly requested types of insurance are:

• General Liability
• Professional Liability (E&O)
• Coverage for Equipment, like a laptop
• Commercial Auto
• Workers Compensation
• Bonds

Other Insurances Available

• Data Breach and Cyber Liability
• ID Theft
• Crime Insurance (in case an employee steals from your or a client)