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Bar Insurance in Lake Forest CA & Newport Beach 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 Covenant Direct Insurance Services representative for a bar insurance policy that matches your specific needs.

Our Location

Covenant Direct Insurance Services

23101 Lake Center Drive, Suite #340
Lake Forest, CA 92630
Main office: 949-566-8854
Fax: 949-600-6598

Our Providers

Testimonials

I just wanted to send a note thanking you and the insurance company for the exceptional service in getting our claim settled. When I called you on a Monday morning to tell you we had a slab leak I thought I was at the beginning of a nightmare. But because of your intervention and the remarkable efficiency of Brittany in the claims department, everything was repaired and we were back to normal in a matter of a few short days. Please pass along my gratitude to Brittany also. Thanks again!

Larry - Lake Forest, CA
This is to confirm that I am personally is very satisfied with the quality of services provided to me for the coverage on my primary residence as well as my rentals. Mike has shown top notch professionalism in handling the insurance coverage for my properties and this was basically the main reason why I introduced him to the family members who informed me that they are very happy with the services provided by him, for the insurance of their properties, and that terms offered to them were very competitive both in respect of rates and conditions.

Amin