Comprehensive Excess & Surplus Lines Coverage for Businesses Centered on On-Premise Alcohol Consumption
More than any other company, we understand the needs and exposures associated with operating a bar or club—and we’re better prepared than other companies to offer Excess & Surplus lines coverage for businesses centered on on-premise alcohol consumption. We provide a full range of coverages within one program, and we can design a plan tailored to the unique needs of your business.
Eligible classes of business include:
- Neighborhood bars, pubs and taverns
- Wine bars
- Cocktail lounges
- Comedy clubs
- Nightclubs and discotheques
- Restaurants with high-percentage alcohol sales
- Fraternal Organizations
Acceptable exposures include:
- 100% alcohol sales
- Dancing
- Live entertainment
- Incidental gambling
- Ladies night
- Temporary serving locations
- Bottle Service
Smart coverage made even smarter by risk management services
Our approach goes far beyond traditional insurance coverage, and we’ve assembled a complete package of insurance and risk management services to help you run a safer, more secure operation. All of our clients get 24/7 access to our E-Learning online training and risk management tools—including bartender training—that can help educate employees, reduce claims and save money over time.
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Download our Bar, Tavern, Club brochure for more information.
Coverages Include:
- General Liability
- Liquor Liability
- Assault & Battery
- Damage to Premises Rented to You
- Real Property
- Business Personal Property
- Business Income & Extra Expense
- Equipment Breakdown Coverage
Approved States:
AR, AZ, CA, CO, CT, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, WA, WI, WY
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