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Bar Insurance in Gallipolis and Jackson, OH

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 Saunders Insurance Agency representative for a bar insurance policy that matches your specific needs.

Our Location

Saunders Insurance Agency

437 2nd Ave
Gallipolis, OH 45631
Main office: 740-443-4034
Toll free: 800-689-5103
Fax: 740-446-4719

Our Providers

Testimonials

SIA has always given me the personal attention that I expect from my local insurance agency. Whether it be on finding a better rate with an equal or better policy or filing a claim, they have always made me feel like I was a top priority. Anytime I've had a question concerning my policy/coverage my questions have been answered promptly.

Gary Phillips
Saunders Insurance Agency has always been amazing in assisting with all our insurance needs. Both our home and auto policies are through Saunders Insurance and I highly recommend them for any insurance necessities. They're always super quick to reply to any questions or concerns that we may have which is hard to find. Guaranteed lifelong customers!

Heidi McCormick
Saunders Insurance Agency will always make sure you are getting the best coverage of insurance for whatever type you are looking into. They have been in the business for many years and are wonderful to our family. They are always courteous and very dedicated in helping us always. Thank you SIA!

Paula M.
We have trusted our home and auto insurance to Saunders Insurance for many years. Scott Saunders has always provided prompt and knowledgeable attention to our insurance needs. This helps provide security and peace of mind that our property is properly and professionally protected.

Ann & John Caldwell
Our business has used Saunders Insurance for the past 27 years. It's a great company with an experienced staff.

Jenny Shirey
Saunders Insurance Agency has highly professional and courteous agents! They work hard for their customers to provide the best options and pricing for insurance needs! Our whole family chose John and Scott to work with when purchasing new cars - they are great! No stress or high pressure-just what you need!

Fred & Charlie Workman
Scott along with the entire agency was very helpful and precise in processing my claim. It was a big weight off my shoulders as far as processing the claim and getting the claim settled in a timely manner. The diligence that Scott exuded on my claim should be commended. I was very happy and satisfied with the service that SIA provided.

Brad Warnimont
Saunders Insurance Agency was so helpful when we had water damage in our home. They handled our problem quickly and was always there if we had questions. Thank you Saunders Insurance Agency.

Kylie Johnson