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Bar Insurance in Seneca, Sabetha, and Hiawatha, Kansas

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

Our Locations

SBS Insurance - Seneca

305 Main St
Seneca, KS 66538
Main office: 785-336-2821
Toll free: 888-776-2821
Fax: 785-336-2393

SBS Insurance - Sabetha

935 Main St
Sabetha, KS 66534
Main office: 785-284-2816
Toll free: 877-815-0300
Fax: 785-284-0300

SBS Insurance - Hiawatha

105 S 6th St.
Hiawatha, KS 66434
Main office: 785-742-2961

SBS Insurance - Onaga

209 Leonard St.
Onaga, KS 66521
Main office: 785-889-4221
Fax: 785-889-4959

SBS Insurance - Axtell

413 Maple
Axtell, KS 66403
Main office: 785-736-2973
Fax: 785-736-2356

SBS Insurance - Bern

402 Main St
Bern, KS 66408
Main office: 785-336-6121
Fax: 785-336-3634

SBS Insurance - Auburn

913 Central Ave
Auburn, NE 68305
Main office: 402-274-5100
Fax: 402-274-5125

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.