• 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.

    • Bar

      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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        General Information


      • E-Learning


        E-Learning Copy

        Our E-Learning platform is available 24/7 to meet the needs of the student. These online courses are offered free of charge to our insureds. Additional classes are being developed on a regular basis, so check back often to see new opportunities.
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      • Our Programs


        Our Programs

        We offer some of the most comprehensive insurance coverages in the industry. Let us propose a customized insurance package for your organization.
      • Questions?



        Have questions about your policy, want more info on our programs or need to be put in touch with a local agent? Contact us today and we'll be glad to assist you!
      • Contact Us


        Contact Us



        67 Main St
        Cortland, NY13045