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Bar Insurance in Brea and Fullerton, CA

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 Apgar & Bullard Insurance Services representative for a bar insurance policy that matches your specific needs.

Our Location

Apgar & Bullard Insurance Services

2650 E Imperial Hwy, Ste 205
Brea, CA 92821
Main office: 714-985-9630

Our Providers

I have personally worked with Jeff and he is extremely experienced and knowledgeable. He was able to help me take care of me and my office needs very quickly and with a great price. He is highly recommended! ~ Matt To
Matt To
Jeff Bullard was very helpful in answering all my questions about switching over from existing plan to the group plan offered at vk integrated systems. ~ Christina Reynolds
Christina Reynolds