Overview of the Program From Monarch E&S Insurance
Monarch E&S is a trusted Managing General Agency and Excess & Surplus Lines Broker offering non-admitted markets across multiple carriers. Our Bar and Tavern Insurance program is built to provide flexible, competitive options for liquor-serving establishments that may fall outside standard market appetite. We welcome submissions from agents in Arizona, California, Hawaii, Nevada, and Texas.
Ideal Accounts and Appetite
This program is ideal for:
- Bars and taverns with alcohol sales exceeding 30%
- Restaurants with full liquor licenses
- Venues with live music, DJs, or dance floors
- Establishments open late or that have heightened liability exposures
You might have a client with a high-traffic sports bar that hosts live events or a restaurant with a nightclub atmosphere—these are the types of risks we’re ready to help you place.
Coverage Highlights and Advantages
Key features of the program include:
- Primary General Liability limits up to $3,000,000 Occurrence / Aggregate
- Excess or Umbrella Liability limits available up to $25,000,000
- Assault and/or Battery coverage available, subject to sublimits
- No production requirements—ideal for agents with occasional hospitality risks
- Phone indications available for faster quoting
Underwriting Notes and Minimum Premiums
We offer competitive pricing with a minimum premium of $500 for monoline General Liability and $750 for package policies. We’re flexible and responsive in reviewing submissions, and our team is experienced in evaluating complex hospitality risks.
Territories and Availability
This program is available in the following states:
- Arizona (AZ)
- California (CA)
- Hawaii (HI)
- Nevada (NV)
- Texas (TX)
As a non-admitted solution, this program is ideal for accounts that don’t qualify for admitted carriers due to risk profile, claims history, or unique exposures.
Why Work With Monarch E&S Insurance?
Monarch E&S brings decades of experience in the excess and surplus lines market. As a wholesale partner, we offer access to multiple carrier options, fast underwriting turnaround, and deep expertise in hospitality risks. Whether you’re placing your first tavern account or managing a portfolio of nightlife businesses, our team is here to help you succeed.
Contact us today for all your Bar and Tavern Insurance needs!