CALL US:
Columbus: 614.889.0701
Bexley: 614.231.3696

Bar Insurance in Columbus and Bexley

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

Our Locations

Nick Miller & Associates Insurance Services

6834 Caine Road
Columbus, OH 43235
Main office: 614-889-0701
Toll free: 800-889-0701

Beim-Grundstein & Associates Insurance Services

2776 E Main Street
Bexley, OH 43209
Main office: 614-231-3696
Toll free: 800-889-0701

Our Providers

My two male teenage drivers had a speeding ticket and an accident on their records so our previous carrier dropped us. I had been "shopping" with my previous agency but received a flyer in the mail detailing a discount Nationwide provides for OSU grads. I found some favorable reviews which led me to Nick Miller and Associates. I worked exclusively with Melisa and I can't say enough good things about her. We were under a deadline for new insurance and she was able to provide thorough quotes that same day. I was able to switch my homeowners insurance as well in a bundle and she helped me find other savings mechanisms as well. Both our home and auto policies provide the same or better coverage and our rates went down!
MarkMc from Powell, Ohio
This is a great insurance company! Always there for all your needs..Very friendly staff and experienced. Always had an answer for all my questions!
TERRYJ7000 from Columbus, Ohio
Friendly, knowledgable staff. Anytime I have a question, it is answered in a timely manner. I'm always informed of discounts that may apply. My husband and I are very satisfied with this agency. Would definitely recommend.
Elizabeth6 from Columbus, Ohio
Nick Miller's office gave me accurate information about placing our first claim. Everything was quick, easy and we were very impressed with the adjuster and matching our estimate. I am singing the praises of Nationwide and how our claim was handled. Could not be more pleased. Thank you
Tillman from Marysville, Ohio
We had an outstanding experience with our recent claim in June. Nick's office was great with advise and follow up to our satisfaction. Highly recommend Nick Miller to others.
Kara from Columbus, Ohio
The staff at Nick Miller’s agency has always been a pleasure to work with. His Account Representatives are very knowledgeable; they take the time to keep me informed and make tremendous efforts to review our policies for accuracy. It is staff like this that makes it a pleasure doing business with his agency.
Terrific from Columbus, Ohio