570-392-9969

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

Molyneaux Insurance Agency

204 N Front St

Sunbury, PA 17801

Main office: 570-392-9969
Fax: 570-286-7367

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

I love how you have helped save me and my clients money on our home owners and car insurance! Thanks for all you do! Its nice to know that there's an insurance agent on our side! I hope we can do much more business in the future!
Laura S.
I had been with the same insurance company since I started driving. I always just assumed that because I was a loyal customer and had a clean driving record that i was getting the best rate possible and was not looking to switch companies. I have known Bradley for many years so when I heard that he had started 'Molyneaux Insurance' I decided to inquire about prices believing that the quote I would be given would be higher than what i was currently paying. To my surprise, it was not! I had learned that through all my years of service with my insurance provider I was over paying...ALOT!!! Bradley took the time to drive to my home and sit down with me and go over every detail to make sure I understood the policy and still had the best coverage. Without hesitation I switched and currently save $2000 a year for the same coverage!!! I didn't have to worry about making any uncomfortable phone calls to cancel my old provider either...Molyneaux Insurance does it all! Bradley even made a follow up call to make sure I received my new cards and that my old provider had received the cancellation paperwork. I recommend Molyneaux Insurance to everyone!!
Alicia M.