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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 Wheatland Insurance Center Inc. representative for a bar insurance policy that matches your specific needs.

Our Locations

Wheatland Insurance Center - Pendleton - Corporate Office

229 SW 1st St
Pendleton, OR 97801
Main office: 541-213-2916
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Athena

327 E. Main
Athena, OR 97813
Main office: 541-595-3341
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Baker City

1405 Campbell St
Baker City, OR 97814
Main office: 541-213-2910
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Condon

307 S. Main
Condon, OR 97823
Main office: 541-326-0105
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Elgin

2 North 8th Ave
Elgin, OR 97827
Main office: 541-516-6503
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Enterprise

121 West Main St
Enterprise, OR 97828
Main office: 541-538-2214
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Heppner

294 N. Main
Heppner, OR 97836
Main office: 541-626-0049
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Hermiston

455 E. Main St
Hermiston, OR 97838
Main office: 541-595-3403
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - Ione

245 NW Main
Ione, OR 97842
Main office: 541-366-4604
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - La Grande

1901 Adams Ave #2
La Grande, OR 97850
Main office: 541-803-0539
Toll free: 800-243-8918
Fax: 541-276-7688

Wheatland Insurance - The Dalles

312 Federal St
The Dalles, OR 97058
Main office: 541-296-2268
Fax: 541-276-7688

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