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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 Pitts Insurance Team representative for a bar insurance policy that matches your specific needs.

Our Location

Pitts Insurance Team

9450 Two Notch Rd
Columbia, SC 29223
Main office: 803-489-8602
Fax: 803-736-8139

Our Providers

Testimonials

The service is great and they understand everyday problems you may face.my agent Kandace is very nice and friendly support is excellent and I would recommend nationwide insurance to anyone.very cheap and reliable.

Sharrae From Columbia, sc
I have been a client of the Pitts Insurance Team for many years. James and his team have always been there to answer my questions and proactively help me find discounts and otherwise ensure that I have the best coverage. I would recommend them to anyone!

PaddyMac
Our company has used Pitts Insurance Agency for various types of coverage ranging from auto, general liability, workers comp and builders They consistently are seeking ways to improve their product to best suit our needs. Our requests are always met with professionalism and courtesy, not to mention an extensive knowledge base. I've been so impressed with their work ethic through experiences with my employer that I recently switched my home insurance to them as well. I can't be more pleased with their performance in both areas.

Jalbert From Columbia, SC