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Bar Insurance

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 Mid-America Specialty Markets representative for a bar insurance policy that matches your specific needs.

Our Locations

MASM / Columbia

2800 Forum Blvd, STE 4B
Columbia, MO 65203
Main office: 573-447-4990

*MASM / O'Fallon

1656 Bryan Rd
O'Fallon, MO 63368
Main office: 636-978-3696
Toll free: 888-978-3696

MASM / Springfield

330 W Plainview Rd, STE F
Springfield, MO 65810
Main office: 417-865-1558

MASM / Clever

6809 State Highway 14 W, Ste F
Clever, MO 65631
Main office: 417-743-2288
Toll free: 888-978-3696

MASM / Joplin

1401 E 7th St, Ste B
Joplin, MO 64801
Main office: 417-553-0692

MASM / Lamar

128 W 10th St
Lamar, MO 64759
Main office: 417-682-3131

MASM / Neosho

613 W Coler St
Neosho, MO 64850
Main office: 417-451-9177

MASM / Nixa

204 Village Center St. Suite 7
Nixa, MO 65714
Main office: 417-595-4430

MASM / Seneca

908 Washington Ave
Seneca, MO 64865
Main office: 417-776-5433

MASM / Shawnee, KS

6208 Richards Dr
Shawnee, KS 66216
Main office: 913-322-3388

Testimonials

I've been with Estal Insurance and Nationwide for over 10 years now, and I've had nothing but good experiences with them. Recently, my stepdaughter was in a serious motor vehicle accident, and both Nationwide and the Estal Agency have been very helpful throughout the process. I highly recommend their office.
kmh314 From St. Charles, MO
My family has been a customer of Estal Insurance for over 10 years. Renters and Auto Policies in our 20's. Home, Auto, and Life Policies in our 30's. The rates are always fair and the service is excellent! Matt is more than willing to offer suggestions on how to get the best value for our budget while making sure we are protected with the appropriate limits. Whenever we have had any claims over the years, they always go the extra mile to make sure we are taken care of. And they offer free towing AND roadside assistance! My family and I feel fortunate to work with the entire Estal team. They are practically like family to us! We would recommend them to anyone who is looking for insurance.
Anonymous From St. Louis, MO
Matt has taken care of my family's insurance needs for some time now. Home, auto and life insurance are not an area of stress in my life because I know I have everything covered! I would definitely recommend this agency!! Extremely thorough and dependable!
JenS40 From O'Fallon, MO
Estal insurance can assist fully with all business insurance needs. They are always accommodating to our growing business insurance needs and they are very responsive
Estipes From Saint Charles, MO