Give us a call
630.948.8325

Bar Insurance

Bars and taverns require unique insurance needs, but fortunately, bar insurance is available to help you comply with local laws regulating insurance needs for such establishments, and to help if you need reimbursement after some unexpected costs. 

Bar Insurance Policy Features

Most forms of Bar Insurance are actually a combination of four important policies:

  • Business Owner's PolicyThe Business Owner's Policy (BOP) bundles together several policies, including general liability coverage and property insurance. If rowdy patrons are breaking glasses, or people are suing because they fell after having a little too much to drink, this is the policy that will help.
  • Liquor Liability Insurance—If you sell alcohol to someone who's already intoxicated, you're partly responsible for what they do, and you could be held liable for any damage they cause. That's not our opinion; many states have written this provision into law and require bars and taverns to have liquor liability insurance before opening up for business.
  • Umbrella Coverage—The Business Owner's Policy provides the main coverage for your business, but if excessive damage (or a court-ordered payment for damages, in the case of a lawsuit) is involved, umbrella coverage can reimburse you for claims that would normally be difficult or impossible to pay.
  • Worker's Compensation—Finally, the last major part of bar insurance is worker's compensation; in an industry where busy bartenders and wait staff are moving around at high speeds while dealing with customers, the chance of someone falling and getting hurt is higher than anyone would like. This form of insurance provides funds for medical care and wages if an employee gets hurt.

Insurance requirements for bars and taverns vary widely by state, so be sure to ask our a Insurance Solutions Group representative for a bar insurance policy that matches your specific needs.

Our Location

Insurance Solutions Group

4699 Auvergne Avenue, Suite 14
Lisle, IL 60532
Main office: 630-948-8325
Fax: 630-756-4104

Our Providers

Testimonials

Mike Kilroy is my "guy", I leave all my insurance headaches up to him. I've been working with ISG since I started my business and couldn't be happier. I recommend it to anyone who is looking to get best insurance prices around. They handle everything extremely professionally and in timely manner.

Kristina P.
ISG. Is a great company to work with. Mike Kilroy has helped me find an affordable insurance that works for me not once but twice. I would recommend ISG to anyone, anywhere, anytime. Give them a call now!

Juan E.
The ISG team has been a dream to deal with. This company is conscientious and focused on helping their clients find the right product. As a health market consultant, I am empowered by the partnership I have with ISG.

Martin M.