785-841-9538

Bar Insurance in Lawrence and Topeka KS

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 Stephens Chapin Insurance representative for a bar insurance policy that matches your specific needs.

Stephens Chapin Insurance

2711 W 6th St, Suite A

Lawrence, KS 66049

Main office: 785-841-9538
Fax: 785-865-0623

Office Hours:

Mon: 8:30 AM - 5:30 PM
Tues: 8:30 AM - 5:30 PM
Wed: 8:30 AM - 5:30 PM
Thurs: 8:30 AM - 5:30 PM
Fri: 8:30 AM - 5:30 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

5 stars! Elizabeth Peters saved me so much $ on my Insurance and corrected errors that my former Insurance agent neglected!
Brenda S.
We have been customers of Stephens for the past 8 years. We have worked with Brandi Ogunnowo and send appreciation for her AMAZING service! Brandi has been friendly, fast and extremely helpful with understanding all of our policies and getting us the information we need. She is also very personable and compassionate when we've chatted with her about our personal lives. We are grateful to call her our Insurance professional and friend. We are very happy with our relationship with Stephens Insurance. Her customers think she is a great professional and person!
Jill and Eric
Bill Woody was able to save me money on my Medicare coverage and find me plan with lower out of pocket copays. Being on a fixed income, it is greatly appreciated that Stephens Insurance is working so hard to help provide seniors with all the Medicare information that we need.
Anna S.
Knowledgeable and professional service. I can always count on my agent to work for me. Stephens Insurance staff worked to help me settle my claim quick and fair. A++ service!
Tammy