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 KMK Commercial Lines Insurance Agency Inc. representative for a bar insurance policy that matches your specific needs.

Our Locations

Rancho Cucamonga Office

9475 Haven Ave
Suite 100
Rancho Cucamonga, CA 91730
Main office: 909-222-1159
Toll free: 800-349-7797
Fax: 866-204-4093

Corporate Office

515 Flower Street
36th Floor
Los Angeles, CA 90071
Main office: 800-349-7797

Illinois Office

10 South Riverside Plaza
Suite 875
Chicago, IL 60606
Main office: 800-349-7797

Miami Office

1221 Brickell Avenue
Suite 900
Miami, FL 33131
Main office: 800-349-7797

Nevada Office

6671 S Las Vegas Blvd
Blgd. D #210
Las Vegas, NV 89119
Main office: 800-349-7797

New York Office

80 Broad Street
5th Floor
Manhattan, NY 10004
Main office: 800-349-7797

San Bernardino Office

473 E Carnegie Dr
Second Floor
San Bernardino, CA 92408
Main office: 800-349-7797

Texas Office

111 Congress
Suite 400
Austin, TX 78701
Main office: 800-349-7797

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