What are the insurance implications of installing a landscape bar counter in a public venue?

Installing a landscape bar counter in a public venue, such as a restaurant, hotel lounge, or event space, significantly alters the risk profile of the establishment. This change triggers a critical reassessment of insurance coverage across several key areas. Primarily, the introduction of a bar increases general liability exposure. Spills, broken glass, and customer injuries from slips or falls around the new structure become more probable. Your insurer will need to be notified, as failing to disclose this material change could void your policy or lead to denied claims.

The addition of a bar counter also directly impacts property insurance. The value of the physical asset—comprising custom materials, plumbing, and electrical work—must be added to the policy to ensure it is covered against perils like fire, water damage, or theft. More importantly, if the bar includes sinks or dishwashers, the risk of water damage increases, potentially affecting premiums.

The most profound implication involves liquor liability insurance. If your venue did not previously serve alcohol but now will, securing a separate liquor liability policy is absolutely mandatory. This coverage protects against claims arising from intoxication, such as fights, property damage, or drunk driving accidents. Even if you already have a license, the new focal point may increase alcohol sales volume, which your carrier will view as an increased risk, likely leading to a premium adjustment.

Furthermore, the design and installation process itself introduces insurable risks. Contractors must carry their own general liability and workers' compensation insurance to protect your venue from claims during construction. The final installation must also comply with the Americans with Disabilities Act (ADA) and local building codes. Non-compliance can result in fines and create exclusionary grounds for an insurance claim if an incident is linked to a code violation.

To navigate these implications, venue owners must proactively consult with their insurance broker before installation begins. A thorough review of existing policies will identify coverage gaps. Providing the insurer with detailed plans, including materials and intended use, allows for an accurate risk assessment and ensures your investment and business are fully protected against the new liabilities a landscape bar counter introduces.