Bailey Special Risks, Inc. offers a comprehensive Bar, Restaurant & Tavern Insurance Program tailored for establishments with liquor sales exceeding 50% of their gross sales. This program is designed to help agents and brokers efficiently place coverage for high-liquor-exposure hospitality risks, including businesses offering dancing and live entertainment. Whether you're working with a neighborhood tavern or a packed nightclub, this market is structured to handle complex exposures in the hospitality sector.
Ideal Accounts and Appetite
This program is best suited for:
- Bars and taverns with liquor sales over 50% of total revenue
- Restaurants with full-service bars
- Nightclubs and lounges with dancing or live music
- Establishments featuring entertainment such as DJs or karaoke
Accounts that include entertainment and dancing are eligible, opening the door for a wide range of nightlife venues. Risks with strong liquor controls and a history of responsible operations are especially attractive.
Coverage Highlights and Advantages
The Bar & Tavern Package can quickly and easily be quoted for up to five lines of insurance:
- Property
- Liquor Liability
- Excess
- Umbrella
- Crime coverages
Coverage is available on a package or monoline liability basis, providing flexibility depending on your client’s needs. Liquor liability is a key focus, but the program also supports broader risk management through excess and umbrella options, giving your insureds layered protection. Crime and property coverages further round out the program for complete peace of mind.
Underwriting Notes and Minimum Premiums
This program is written on a non-admitted basis through the United States Liability Insurance Group, a recognized carrier with strong hospitality expertise. Accounts are underwritten with efficiency and flexibility, making it easy to obtain quick quotes even for higher-risk operations. While no specific minimum premium is listed, submissions should reflect viable revenue and exposure levels for the hospitality class.
Territories and Availability
You can place this program in a wide range of states. Currently available in: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY.
Why Work With Bailey Special Risks, Inc.?
Bailey Special Risks, Inc. is a wholesale broker with deep experience in hard-to-place and specialty hospitality risks. With access to strong carrier markets and a responsive underwriting team, BSR helps agents and brokers place challenging bar and tavern exposures with confidence. Their streamlined quoting process and broad appetite make them a go-to resource for establishments that may not fit standard markets.
For example, if you have a client operating a late-night bar with live DJs and a dance floor, or a local restaurant with daily happy hours and over 60% liquor sales, this program offers the underwriting flexibility and coverage options you need to get the deal done.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Bars, taverns, restaurants with high liquor sales, nightclubs, and entertainment venues with dancing or live music are all good fits—especially those generating over 50% of revenue from alcohol.
Can I submit accounts with live entertainment or dancing?
Yes, the program accepts accounts that feature entertainment such as DJs, live bands, karaoke, and dancing.
Is liquor liability available on a monoline basis?
Yes, liquor liability coverage can be written as part of a package or on a monoline basis depending on your client's needs.
Which states is the program available in?
The program is available in over 35 states, including CA, TX, FL, NY, and many others across the Midwest, South, and Northeast.
Who is the carrier for this program?
The program is written through United States Liability Insurance Group, a trusted non-admitted market known for specialty risk expertise.
Need help placing an account? Connect with a market specialist.