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Bar Insurance in Clinton Charter Township and Sterling Heights, MI

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

Our Location

Waters Edge Insurance Agency

37102 S. Groesbeck Hwy
Clinton (Township), MI 48036
Main office: 586-690-8572

Our Providers

Testimonials

Thank you for always being there for us and our little items that keep coming up. Thanks again for your follow-ups.
Paul and Margaret
Dear Stan, Thank you so much for all your time and attention to this matter. We truly appreciate it. You’re a doll.
Barry and Lynette Hay
Best insurance experience I have ever had! They were honest and gave me the best quote. Very happy with WatersEdge! Thanks Stan!
Samantha Moore
Waters Edge Insurance Agency is by far the best insurance agency I have ever been with. They are honest, hard working, easy to contact and truly care about their customers. If you are in the market for insurance look no further, you won't be disappointed I promise. Stan and his associates are second to none.
Franci Atcho
Thank you for your awesome service. I am so glad that I decided to switch agencies over to Waters Edge. You have taken the time to answer any question I may have had, and have been a huge part in the success of our business.
AGC Concrete