Owning a bar or brewery isn’t just about serving great drinks — it’s about creating memorable experiences for your customers while managing a business with countless moving parts. From liquor service and staffing to compliance, equipment maintenance, and customers coming and going every day, one unexpected incident, fire, or lawsuit can threaten everything you’ve built. That’s why having the right insurance in place isn’t just smart — it’s essential.
At Sharp Insurance & Financial Services, we write insurance for bars and breweries across Kentucky, Ohio, and West Virginia — including Ashland, Russell, Flatwoods, Ironton, Huntington, Lexington, and Charleston — to help protect your business with tailored, affordable coverage. Whether you run a small neighborhood bar, a craft brewery taproom, or a growing production brewery, we’ll help you safeguard your property, your staff, and your bottom line.
This coverage is designed specifically for:
Bar and brewery insurance goes beyond basic business coverage. It’s built to protect you from the unique risks you face daily — from liquor liability claims and intoxication-related incidents to equipment breakdowns, theft, and employee injuries. With the right policy in place, you can focus on creating great drinks and a welcoming atmosphere while we focus on keeping your business secure.
Running a bar or brewery means juggling more than just drink orders — you’re managing liquor service, brewing operations, specialized equipment, employee safety, and strict state and local regulations. With so many unique risks, having the right insurance coverage is essential. Our policies are designed to protect bars, breweries, and taprooms across Kentucky, Ohio, and West Virginia, so you can focus on pouring great drinks and growing your business while we protect what you’ve built.
Covers customer injuries (like slips on wet floors, falls near the bar, or accidents during tours) as well as property damage claims from day-to-day operations.
Protects your brewing tanks, refrigeration units, kegs, furniture, taps, signage, and inventory against fire, theft, vandalism, and other covered losses. It can also help replace lost income if damage forces you to temporarily close.
Covers medical costs and lost wages if an employee is injured while serving drinks, handling kegs, cleaning the premises, or operating brewing equipment.
A must-have for any establishment serving alcohol. It covers claims if a customer you served causes injury or property damage due to intoxication, including incidents that occur off-site.
Protects your business from claims related to contaminated beverages, off-flavors, or illness caused by your brewed or served products.
Helps protect your business against claims resulting from fights, altercations, or security-related incidents on your property — a common risk in establishments that serve alcohol.
Covers repair or replacement costs if critical brewing systems, refrigeration units, or draft equipment fail unexpectedly. This coverage helps prevent costly downtime.
Replaces lost income and covers ongoing expenses if you’re forced to close or pause operations due to a covered incident, such as a fire or major equipment failure.
Covers costs related to data breaches or payment system hacks — especially important if you run an online ordering system, subscription club, or loyalty rewards program.
Adds an extra layer of financial protection beyond your standard policy limits in the event of a major lawsuit or catastrophic claim.
At Sharp Insurance & Financial Services, we’re here to help you find the right bar and brewery insurance for your business. We proudly serve companies across Kentucky, Ohio, and West Virginia, offering expert guidance and local support you can trust. Whether you run a small bar, a craft brewery, or a growing taproom, our team will help you protect your property, your staff, and your bottom line. Contact us today to discuss coverage options.
Mon | 09:00 am – 05:00 pm | |
Tue | 09:00 am – 05:00 pm | |
Wed | 09:00 am – 05:00 pm | |
Thu | 09:00 am – 05:00 pm | |
Fri | 09:00 am – 05:00 pm | |
Sat | Closed | |
Sun | Closed |
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