Colonial General Insurance Agency, Inc. offers a specialized Bar Insurance program designed for establishments with significant alcohol sales. This program is ideal for bars, taverns, pubs, nightclubs, and restaurants where alcohol accounts for 30% or more of total gross sales. Whether you are looking for mono-line or package coverage, we can help you place complex hospitality risks with confidence.
Ideal Accounts and Appetite
Our Bar Insurance program targets businesses that serve alcohol as a key part of their operations. Strong fits include:
- Neighborhood bars and lounges
- Sports bars with food service
- Nightclubs with live entertainment or dancing
- Restaurants with alcohol sales exceeding 30% of total revenue
We understand the unique exposures these operations face, including liquor liability, property damage, and potential assault and battery incidents. Colonial General works with appointed agents to place business in AZ, CA, CO, ID, NV, NM, UT, and WY.
Coverage Highlights and Advantages
Property Coverage available for Bar Insurance:
- Accounts Receivable
- Basic, Broad, or Special Form
- Building and Contents
- Business Income and Extra Expense
- Computer Equipment
- Equipment Breakdown
- Food Spoilage
- Outdoor Signs
- Replacement Cost or Actual Cash Value (ACV)
- Valuable Papers
Commercial General Liability Coverage:
- Primary Limits up to $3,000,000 Occurrence/Aggregate
- Liquor Liability Coverage
- Excess or Umbrella Limits up to $25,000,000
- Assault and/or Battery Limited Liability Coverage Form (per event)—$25,000/$50,000 Limits
- Medical Payments Coverage—$5,000 Limit
- Additional Interests Included
- No deductible required
Crime Coverage:
- Inside the Premises—Theft of Money and Securities
- Inside the Premises—Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on class, coverage, and risk profile. Colonial General works with multiple carriers to find appropriate solutions for both standard and challenging bar-related risks. Admitted markets are available in some states, with non-admitted options also offered depending on the exposure and location.
You might have a client who owns a high-traffic sports bar in California or a neighborhood pub in Colorado—both could be eligible for tailored coverage through this program.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Why Work With Colonial General?
Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep experience in placing hospitality risks. We offer access to specialized markets and underwriting expertise that helps you serve bar and restaurant clients with confidence. Whether placing a single-location bar or a multi-state restaurant operation with heavy alcohol sales, our team supports you from quote to bind and beyond.
Frequently Asked Questions
What types of accounts are a good fit for this Bar Insurance program?
This program is ideal for bars, taverns, pubs, nightclubs, and restaurants where alcohol sales make up at least 30% of total revenue.
Is liquor liability included in the program?
Yes, liquor liability coverage is included and can be tailored based on the specific exposures of the insured.
Are there coverage options for assault and battery incidents?
Yes, the program includes a Limited Liability Coverage Form for assault and/or battery with standard limits of $25,000 per event and $50,000 aggregate.
What states is this program available in?
This Bar Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can I write both property and liability on the same policy?
Yes, coverage is available on a mono-line or package basis depending on the needs of the insured.
Need help placing an account? Connect with a market specialist.