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Bar Insurance in Chapel Hill and Raleigh, NC

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 Seagroves Agency, Inc. representative for a bar insurance policy that matches your specific needs.

Our Locations

Chapel Hill Office

1506 E Franklin St, Ste 100
Chapel Hill, NC 27514
Main office: 919-634-6473
Fax: 919-967-0411

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Mebane Office

1036 Mebane Oaks Rd
Mebane, NC 27312
Main office: 919-533-2489
Fax: 919-563-1107

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Pittsboro Office

119 Hillsboro St
Pittsboro, NC 27312
Main office: 919-634-6564
Fax: 919-542-1107

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Raleigh Office

6404 Falls of Neuse Rd Suite 101
Raleigh, NC 27615
Main office: 919-634-6663
Fax: 919-883-4516

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

I have been with Nationwide for more years than I can remember and they have always been so helpful and really are easy to work with. There is no arguing or pleading when there is a claim, they quickly address the situation and are so fair in appraising the damage and the check is in the mail within a couple of days. Lee Doss is my Nationwide Agent and she is always there to help with a friendly and caring attitude.
- Sandyman
I've worked with Hayden a this agency and have had good experiences with getting questions answered and any information needed.
- FredW
I have never written a review for anything before, even when I am happy with services provided. But Seagroves is something else. Leon, who I was referred to by a car dealership, is not only an amazing insurance agent, but also a great advisor in all things automobile-related. Not being from the US, I don't always understand how things are done with vehicles here, but Leon was very patient and truly did go the extra mile to make sure my experience with Seagroves was positive. Generally, the agency is always happy to help, is always very polite and comprehensive with all the information they give. 100% would recommend and will be remaining loyal to this agency no doubt.
- Daniel1
Insurance is a necessity we all hope we never have to cash in on, but if we do, it's because we've had to deal with something stressful in our lives and the last thing we want is added stress from our insurance company. I was insurance claim free for many years, but in the last 6 months I had an auto claim and a homeowners claim. The people at Seagroves treated me like family and did everything in their power to see that my claims were handled quickly and stress free. Great Customer Service is hard to find these days, but you'll find it with Seagroves.
- TakenCareOf