Bar and Restaurant Insurance In Pennsylvania and Maryland
Insurance Built Around Your Business
Running a bar or restaurant means juggling risks most businesses never face — liquor liability, food safety, a packed dining room on a Friday night. At Kelly Glass Insurance, we take the time to understand how your establishment actually operates, then build coverage around you, not a generic policy.
We're based right on East Cumberland Street in Lebanon, PA, and we've been serving bars and restaurants like yours since 2010.
Coverage Options for Bars & Restaurants
- Liquor Liability
- Premises Liability
- Commercial Property
- Business Income (for temporary closures)
- Food Contamination / Spoilage Coverage
- Crime & Fidelity
- Workers' Compensation
- Cyber Liability
- Employment Practices Liability
- Workplace Violence & Crisis Response
(Not every business needs every coverage — that's what a real conversation is for.)
Frequently Asked Questions
Do I need liquor liability insurance if I serve alcohol?
Yes. Standard general liability typically excludes alcohol-related incidents. Liquor liability specifically covers claims tied to serving alcohol, including incidents involving intoxicated patrons.
What happens if my restaurant has to close temporarily?
Business income coverage can help replace lost revenue if a covered event — like a fire or equipment failure — forces you to close for repairs.
Does my policy cover food spoilage if my equipment fails?
Food contamination and spoilage coverage helps cover the cost of lost inventory if refrigeration or freezer equipment breaks down unexpectedly.
Do you serve bars and restaurants outside of Lebanon, PA?
Yes. We serve bars and restaurants throughout Pennsylvania and Maryland.
Serving Our Neighbors Since 2010
We aren't just a voice on the phone; we're your neighbors on East Cumberland Street in Lebanon, PA.
- "Focusing on You" Reviews: Your business evolves — a new menu, extended hours, outdoor seating. We review your coverage periodically so gaps don't turn into claims.
- Claims Advocacy: A liquor liability claim or kitchen fire shouldn't put your business on hold. We're in your corner when the unexpected happens. Access our 24/7 Carriers Directory. For additional claims process questions, call us at (717) 272-2242 to talk to an associate.
- Local Knowledge, Regional Reach: We know the risks specific to bars and restaurants across Pennsylvania and Maryland.
Ready to Get the Right Coverage?
Tell us about your business and we'll do the shopping for you — comparing top carriers across Pennsylvania and Maryland to find the right fit.
- Speak with an associate by calling (717) 272-2242.
- Text message us at (717) 455-3242.
- Get a free insurance review and quote by completing this information request.