Bar Insurance Dallas, Tx

The right insurance keeps your bar protected, compliant, and ready to serve.

Owning a bar in Dallas isn’t easy. You’ve got a business to run, employees to manage, and customers to keep safe - all while staying on top of state laws and liquor license rules. The last thing you need is a lawsuit or a fire that puts everything at risk.

That’s where we come in.

At the Thumann Agency, we help bar owners across Texas protect what matters most. We make insurance simple - no jargon, no stress. Just smart coverage that fits your bar, your team, and your budget. Whether you’re just getting started or growing fast, we’ll walk you through what you need to stay covered and confident.

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Do You Need Insurance to Get a Liquor License in Texas?

Texas doesn’t require insurance to get a liquor license - but most bar owners choose to get it anyway. And here’s why:

  • If a customer drinks too much at your bar and causes an accident, you could be held legally responsible.
     

  • Many landlords won’t lease to a bar without liquor liability and general liability coverage.
     

  • Some cities and counties in Texas may have local rules that include insurance as part of the license approval.
     

Even if it’s not required, having insurance helps you stay ready for whatever comes your way - lawsuits, property damage, or even claims from injured employees. It also shows the Texas Alcoholic Beverage Commission (TABC) that you’re running a responsible, professional business.

We help you choose the right coverage so your license process runs smoothly, and your bar stays protected from day one.

 

Liquor Liability Insurance in Texas – What It Covers

Serving alcohol comes with serious risks. If a customer drinks too much and causes harm — like getting into a car crash or hurting someone - your bar could be blamed. That’s where liquor liability insurance steps in.

This coverage helps pay for:

  • Legal fees if someone sues your bar
     

  • Settlements or court-ordered payments
     

  • Medical bills or property damage caused by an intoxicated customer
     

In Texas, this is especially important because of dram shop laws. These laws say your bar can be held responsible if you serve alcohol to someone who’s clearly drunk - and they go on to cause harm.

It doesn’t matter if it was your bartender, a new hire, or even an honest mistake. One bad night could lead to a lawsuit. Liquor liability insurance helps protect you, your business, and everything you’ve worked for.

At the Thumann Agency, we work with over 80 top-rated insurance carriers to find you the right liquor liability coverage - fast, affordable, and tailored to your bar.

A bar in dallas serving drinks

Other Insurance Policies Every Dallas Bar Should Consider

Running a bar means more than just pouring drinks. You’ve got staff, equipment, and a building to protect - and unexpected problems can pop up fast. Here are a few other smart insurance policies we recommend for Texas bar owners:

  • General Liability Insurance
    Covers things like customer injuries (slip and fall), damaged property, or claims of negligence.
     

  • Commercial Property Insurance
    Protects your building, bar equipment, furniture, and inventory from fire, theft, storms, and more.
     

  • Workers’ Compensation Insurance
    Pays for medical bills and lost wages if your employee gets hurt on the job — even if it’s just a broken glass or a kitchen burn. (Not required by Texas law, but highly recommended.)
     

  • Commercial Auto Insurance
    If your bar does catering, deliveries, or event setups with a company vehicle, this keeps you protected on the road.
     

  • Commercial Umbrella Insurance
    Adds extra protection on top of your other policies in case a big claim goes over your regular limits.
     

We’ll help you choose the right mix - nothing more than you need, and everything your business depends on.

Texas Liquor Licensing Requirements - What Bar Owners Need to Know

Before you can serve alcohol at your bar in Texas, you need a liquor license from the Texas Alcoholic Beverage Commission (TABC). But here’s what many bar owners don’t realize: rules can vary based on your city or county.

Texas follows something called the “Local Option” — which means each county decides whether alcohol can be sold, and under what rules. Some counties are “wet” (alcohol allowed), others are “dry” (alcohol banned), and many fall somewhere in between.

What You’ll Need to Get a Texas Liquor License:

  • Be at least 21 years old
     

  • Have a clean criminal and tax history
     

  • Meet zoning and location rules
     

  • Apply online through the TABC’s AIMS Portal
     

  • Complete and notarize all required documents
     

  • Post the required signs at your bar location
     

Types of Liquor Licenses:

  • BE – Beer only
     

  • BG – Beer and wine
     

  • MB/FB – Full range (beer, wine, and spirits with food)
     

How Long Does It Take?

On average, it takes 6 to 9 weeks to get your liquor license. Local paperwork or inspections can slow it down — so it’s smart to start early.

We’ve worked with bar owners all over Dallas, so we know how to help you stay compliant and avoid delays. If you're not sure which license is right or how insurance plays a role, our team is happy to guide you through the process.

 

Why Bar Owners Across Dallas Trust the Thumann Agency

You don’t have time to shop dozens of policies or second-guess what coverage you need — and with us, you don’t have to.

For over 28 years, bar owners across Dallas have trusted the Thumann Agency to protect their business, their people, and their peace of mind. Here’s why:

  • Local Knowledge That Matters
    We understand Texas liquor laws, TABC rules, and the risks that come with owning a bar in Dallas.
     

  • Access to 80+ Top-Rated Carriers
    We don’t just offer one policy — we shop the market to find the right coverage at the right price.
     

  • Tailored Coverage for Your Bar
    Every bar is different. We take time to learn about yours so we can build a policy that fits your needs — no more, no less.
     

  • Fast Quotes, Friendly Service
    You’ll never be just a policy number. Our team is easy to reach and ready to help, every step of the way.

 

FAQs – Bar Insurance and Licensing in Texas

  • Do I need liquor liability insurance if I only serve beer and wine?

Yes. Even if you don’t serve hard liquor, you can still be held responsible for alcohol-related incidents. Liquor liability coverage helps protect you if a customer drinks too much and causes harm.

  • Can I open my bar while waiting for my liquor license?

No. You must wait until your liquor license is approved by the TABC before selling or serving alcohol. The process usually takes 6 to 9 weeks.

  • How much does bar insurance cost per month?

Costs vary based on your bar’s size, location, number of employees, and the coverage you need. On average, Texas bar owners can expect to pay between $200 and $500 per month for full coverage. We’ll shop for the best rate for you.

  • What if I’m expanding to another location - do I need a new policy?

Usually, yes. Each location carries different risks and licensing requirements. We’ll help you get the right coverage for every bar you operate.

 

Protect Your Bar with Confidence

Whether you’re opening a new spot or updating your policy, our team is here to help you get covered - fast, easy, and with no guesswork.

Start Your Bar Insurance Quote | Call 972.991.9100