What are the insurance implications of installing a landscape bar counter in a commercial property?

Installing a landscape bar counter in a commercial property can enhance aesthetics and customer experience, but it also introduces unique insurance considerations. Here’s what business owners need to know:

1. Liability Coverage: A bar counter increases the risk of accidents, such as slips or spills. Ensure your general liability insurance covers these incidents. If alcohol is served, liquor liability insurance may also be required.

2. Property Insurance Updates: Adding a bar counter may qualify as a property upgrade. Notify your insurer to adjust coverage limits and avoid underinsurance in case of damage or theft.

3. Risk Assessment: Insurers may evaluate the bar’s design, materials, and location. Non-slip surfaces, proper lighting, and secure installations can lower premiums by reducing perceived risks.

4. Local Regulations: Compliance with building codes and safety standards is critical. Failure to meet requirements could void your insurance or lead to denied claims.

5. Additional Endorsements: Some policies may need endorsements for specific risks, like fire hazards from electrical equipment behind the counter.

Proactively addressing these factors ensures adequate coverage and minimizes financial exposure. Consult an insurance professional to tailor your policy to the new setup.