Bar / Restaurant / Tavern

Our long-lasting relationships with our carriers have earned us an exclusive program for this class of business with highly competitive rates!

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)

Quoting & Applications

Log in to obtain applications, additional info, or quote online.
*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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