Bar / Restaurant / Tavern

Product Features

Property:

• Limits up to $5,000,000 in-house; additional limits available
• $500/1,000 minimum deductible
• RCV, special causes of loss and equipment breakdown
• Replacement cost on BPP available
• ACV and Basic Form available
• Theft coverage available if central station monitored alarm
• Property extended coverage available
• Equipment breakdown coverage available

General Liability:

• Increased limits up to $2,000,000/4,000,000
• Medical expense up to $5,000
• Hired/non-owned auto available, no deliveries
• Assault & battery coverage available
• Increased spoilage limits

Liquor Liability:

• Up to $1,000,000/2,000,000 limits
• No liquor deductible available

Eligible Risks

• Best suited for small to medium sized bar, restaurant or tavern exposure with total gross sales under $3,000,000
• Large risks will be looked at on an individual basis
• Able to write unique risks:
• Risks with loss history or liquor violations
• Brewing or distilling beer or liquor
• Outdoor seating, including city or county sidewalks
• Live entertainment; DJ, bands, karaoke, dancing, etc.
• Risks with large gaming machines or pull tab receipts
• Older structures with or without updates in the last 25 years
• Standalone excess commercial general liability and liquor liability available
• Pull-tabs or lottery tickets (no coverage for tickets themselves, but provide the breakdown of sales revenue by source: lottery sales, food, and drink)

*Coverage may not be available for all accounts or in all states

*Applications will apply to most markets but in certain circumstances additional applications may be needed

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