Insurance Bistro Insurance Services, in partnership with Restaurant Coverage Associates (RCA), is proud to offer a comprehensive Bar, Tavern, and Restaurant Insurance Program tailored for licensed P&C agents and brokers throughout California, Arizona, and Nevada. This program is designed to help you place accounts in the hospitality sector with confidence, backed by an admitted ‘A’ rated carrier—State National—on a non-admitted basis.
Overview of the Program
This exclusive program offers broad coverage options for a wide range of hospitality risks, including bars, taverns, and restaurants of all types and sizes. Whether your client operates a neighborhood tavern, a high-traffic sports bar, a family-style restaurant, or a fine dining establishment, Insurance Bistro’s program delivers flexible solutions with competitive rates and responsive underwriting support.
Ideal Accounts and Appetite
The Bar, Tavern, and Restaurant Program is designed for hospitality businesses seeking tailored protection for both standard and high-exposure operations. Ideal risks include:
- Full-service and limited-service restaurants
- Bars and lounges with or without live entertainment
- Nightclubs and taverns
- Establishments serving alcohol with food or as a primary revenue source
You might have a client who runs a popular bar in downtown Los Angeles or a family-owned restaurant with wine service in Scottsdale—both could be great fits for this program.
Coverage Highlights and Advantages
- General Liability limits up to $1 million per occurrence / $2 million aggregate
- Liquor Liability (including A&B) up to $1 million / $2 million
- Special Property Form with available enhancement endorsements
- Competitive premiums tailored to your client's risk profile
- Coverage through an 'A' rated carrier on a non-admitted basis
Coverage is structured to address critical exposures such as liquor liability, slip-and-fall incidents, kitchen fires, and damage to property or equipment. Optional enhancements are available to strengthen your client’s protection package.
Underwriting Notes and Minimum Premiums
Underwriting is efficient and responsive, with a keen focus on aligning coverage to the specific operations and risk level of each account. While no formal minimum premium is stated, agents can expect very competitive pricing, especially when placing risks that align with the program’s appetite.
Territories and Availability
This program is currently available to licensed agents and brokers in:
- California
- Arizona
- Nevada
Agents operating in these states can access the program directly through Insurance Bistro Insurance Services, with streamlined quoting and binding processes.
Why Work With Insurance Bistro?
As a specialized Managing General Agency, Insurance Bistro focuses on delivering niche insurance solutions through strong carrier relationships and industry partnerships. By teaming up with RCA, they bring deep expertise in hospitality risks and offer agents a dependable, competitive, and flexible platform for placing bar, tavern, and restaurant business.
Agents benefit from personalized service, fast turnaround times, and access to a market that understands the unique challenges of hospitality clients. Whether you're looking to place a startup restaurant or a long-established nightlife venue, Insurance Bistro can help you close the deal with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include restaurants, bars, taverns, and nightclubs—especially those with liquor exposure, entertainment, or unique dining experiences.
Is this program admitted or non-admitted?
This is a non-admitted program written through an 'A' rated carrier, offering flexibility in underwriting and coverage customization.
Which states is the program available in?
The program is available to licensed agents and brokers in California, Arizona, and Nevada.
Does the program include liquor liability coverage?
Yes, liquor liability is available up to $1 million per occurrence / $2 million aggregate, including Assault & Battery coverage.
What is the underwriting turnaround time?
Underwriting is efficient, with a focus on quick responses to help agents bind coverage and serve their clients faster.
Need help placing an account? Connect with a market specialist.