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Bar Insurance in Columbia and Boonville MO

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 Vogel-Stuart Insurance Group representative for a bar insurance policy that matches your specific needs.

Our Location

Vogel-Stuart Insurance Group

29 N 10th Street
Columbia, MO 65201
Main office: 573-449-5395
Toll free: 800-223-9826
Fax: 573-443-4321

Our Providers

Testimonials

"I never thought about moving my coverage anywhere else. I had been with AA for 30 years. Vogel-Stuart shopped me out and saved me $250 over what I was paying same coverage. They are great to work with. I can call and make any changes over the phone since I am hour away. They always answer the phone like I am their favorite client. I would recommend them to anyone, even if you aren’t looking for new agency. Give Vogel-Stuart a try. They surprised me!"

Patty B from California, MO
"I just moved my personal auto policy to Vogel-Stuart in April after shopping around for the best price. They were able to save me a lot of money compared to the other quotes I received. I am currently working on starting my own lawn care and snow removal business and they were quick to get my quote to me and very reasonable for just starting out. I would highly recommend Vogel-Stuart to anyone looking for personal or commercial insurance; they have been very good to me!"

Kellan F from Jamestown, MO
"I have been with Stuart Insurance Agency since 2006. I own Wren’s Home Improvements and when Stuart Insurance Agency took over in November, the transition was smooth and seamless. The new faces in the office have picked up where John and Ann left off. They recently saved me around $300 on my personal auto policy. I would highly recommend Vogel-Stuart to anyone looking for business or personal insurance. "

Charles Wren, Wren’s Home Improvements from Columbia, MO