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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 First Inc. representative for a bar insurance policy that matches your specific needs.

Our Location

Insurance First Inc.

217 N Bullard Street
Silver City, NM 88061
Main office: 575-567-3495
Toll free: 844-534-9118
Fax: 877-428-2479

Our Providers

Testimonials

Chelsea looks for lower rates for each of our many policies every year, and delivers. We appreciate her helping our school. Saving us money on our insurance helped our grant significantly!

El Grito Head Start, Silver City, NM
As a new company, we were looking for an insurance agency that would find the best coverage at the best price to fit our needs. Insurance First was that agency. Chelsea and her staff have gone above and beyond our expectations. We look forward to doing business with Insurance First for years to come.

Chapos Insulation, Albuquerque, NM
I found the personal attention I received from Chelsea to be exceptional. Whenever I had any issues, she did all the work to resolve them right away. Thank you Chelsea for making my insurance needs effortless.

Elly Katz, MI