Summer is peak season for bars and taverns, bringing longer hours, special events, and an influx of patrons seeking sun, drinks, and entertainment. While this surge in activity presents exciting opportunities, it also raises liability concerns. Outdoor patios, summer drink specials, and packed crowds increase the potential for accidents, overservice, and property damage. Insurance agents play a critical role in helping bar and tavern clients review their coverage and update their bar and tavern insurance before the season heats up.
From July 4th celebrations to local festivals and big sports weekends, summer events can quickly push a venue to its limits. Common risks include:
Overcrowding during holidays, festivals, and sports events can overwhelm staff and lead to mishandled incidents, from rowdy patrons to blocked exits.
Heat-related issues from patio or rooftop service, including heatstroke for patrons and fire hazards from outdoor setups.
Liquor liability concerns are tied to extended happy hours and drink promotions, especially when alcohol consumption spikes in the heat. According to SCRAM Systems, summer months account for higher rates of driving under the influence and binge drinking.
Slips, trips, and falls occur due to wet floors, high foot traffic, and transitions between indoor and outdoor areas.
Review policies with clients to verify adequate protection during the busy summer season.
This coverage protects against bodily injury and property damage caused by increased crowds and activity. It’s especially important during peak season, when foot traffic and the likelihood of incidents are higher.
Liquor liability covers alcohol-related claims, which are more likely during summer due to extended service hours and drink specials. It helps protect venues from financial loss resulting from intoxication-related incidents.
This coverage helps cover legal and medical costs related to physical altercations and disturbances. With increased crowds and alcohol service, the risk of confrontations rises.
Commercial property insurance covers damage from summer-specific threats like fire, storms, or vandalism. It also protects valuable assets such as outdoor seating, signage, and refrigeration systems.
Workers’ compensation is essential during peak season to protect employees from injuries, particularly those caused by overexertion or heat. It confirms that staff are covered for medical costs and lost wages if they are injured on the job.
Summer often brings unique operational changes. Agents should guide clients through:
Securing temporary event insurance for pop-ups, festivals, or off-site promotions not covered under standard policies
Adjusting business interruption coverage for temporary closures, construction, or shifts in service models
Reviewing coverage limits to reflect increased seasonal revenue, staffing, and risk exposure
Having the right coverage is key, but minimizing risks through proactive steps is equally important.
Heat safety and hydration best practices
Crowd control and de-escalation tactics
Responsible alcohol service
Install or upgrade outdoor lighting and signage
Use slip-resistant flooring in outdoor and transitional spaces
Post and enforce capacity limits
Set behavior expectations for guests
Establish a weather contingency plan for outdoor areas
At RMS Hospitality Group, we specialize in tailored bar and tavern insurance solutions designed for real-world challenges. We understand the seasonal shifts bars face and provide:
Customized insurance programs for evolving business models
Risk-mitigation tools such as fraud detection and incident investigation
Ongoing support to adjust policies as operations expand
Bars and taverns can maximize their summer profits by actively managing seasonal risks. Encourage bar owners to connect with RMS Hospitality Group for expert guidance and custom coverage solutions that meet the demands of summer operations.
At RMS Hospitality Group, our expertly crafted policies are written specifically for the hospitality industry. We offer custom-tailored solutions to meet any venue’s specific needs. For more information, contact our knowledgeable experts today at (888) 359-8390.
At RMS and associated firms, business continues as usual. Our staff is remote-capable and available to handle all partners, brokers, and insureds at the present time.
