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Bar Insurance in Huntington and Long Island, NY

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

Our Locations

1. Huntington Station Office

876 East Jericho Tpke
Huntington Station, NY 11746
Main office: 631-693-4671
Fax: 631-427-6293

2. Auburn Office

201 Genesee St
Auburn, NY 13021
Main office: 315-683-4183
Fax: 315-252-7313

3. Mt. Sinai Office

655 Rt. 25A
Mount Sinai, NY 11766
Main office: 631-693-6265
Fax: 631-427-6293

Our Providers

Testimonials

Great people to work with! I've found the customer service at this agency to be outstanding. Very helpful with quick response times back. Definitely recommend them!

Mark313
Highly recommend! This is the best insurance agency that I've ever been with. They will go above and beyond to get you the best rates. Tara is the best, very professional, polite, super friendly, and really knows her stuff. I recommend them to everyone.

LauraAC
You really get the personal touch when you work with Garbe Associates LLC. Especially with Tara Willette, she is the BEST always knows the answers to your inquiries, and if she doesn't gets right back to you with an answer.. Thank you for the great service...

JonnyBBB
I have been with Nationwide for well over two decades. I have worked with the same agent, and then the agents successor. I mainly deal with the staff personnel who have always been helpful to me. Assisted me in procuring the best rates possible. The best reference is the length of time with the same carrier, and people.

Ron342
Garbe Associates is definitely a very welcoming group of people and they are easy to work with. The agents are all very knowledgeable about the questions I ask and are very helpful. I have also received a great rate!

Carmin