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Bar Insurance in Waukee, Grimes, and Dallas Center, IA

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

Our Locations

GIT Insurance

245 NE Venture Dr
Waukee, IA 50263
Main office: 515-897-4448

Fox Insurance Agency

1302 Walnut St
Dallas Center, IA 50063
Main office: 515-992-3732

Our Providers

Testimonials

GIT Insurance is more than just about the cost savings. They have been an insurance counselor during our families time of need. When they show their appreciation for our business all I can express is how thankful I am that they are our agent.
Bill M
Thank you so much GIT Insurance, who has by far done more for me than any other company and you've earned a customer for life!
Cody M
I can't thank GIT Insurance enough! They cut our bill to a third of what we were paying before! Amazing! Thanks to all who suggested GIT!
Celina V
A shout out to the best agent in the world (at least the best of the best in Central Iowa)! It feels like a whole new world out there driving without a HUGE crack on our windshield. We have delayed months to repair it as big expenses kept coming up. We were sure we had to pay to replace it ourselves as it would be under our deductible. It prompted me to send him a quick e-mail to check on coverage. He said we had zero deductible for windshield replacement and wrote exactly what to do to file claim - if you don't think you need an agent since you can get everything online these days, think again. You would have lost out on an exceptional service that GIT can provide you.
Suyau W
Agent helped me through a crisis claim situation and the service was beyond excellent!
Mark V
GIT Insurance (clever name) conveniently through the internet and email, but yet have that customer service or claims specialist at the agency to help you in your time of need.... Perfection!
Bryan I
GIT Insurance increased my coverage and lowered my cost….what could be better! Thank you for your help.
Joel P
We appreciated GIT Insurance time and expertise in trying to sort out our insurance issues. Their insight was tremendously helpful. A lot of clients are going to benefit from their time and counsel.
Jay B
Great timely service anytime I need to update my policy or have any coverage questions.
Karen S
GIT Insurance takes a very detailed and educational approach in arriving at the best solution specific to the customer's needs. So many options exist from a carrier and product standpoint that a customer runs the risk of making a costly mistake in the purchasing process. Life insurance is primarily for income replacement, not investment, thus a term life policy allows people to obtain a sizable amount of coverage with one of their quality carriers at a very affordable price. GIT Insurance makes a significant impact on the strength of the client's overall financial plan, which gives tremendous peace of mind!
Ross, Certified Financial Plannner