Ideal Accounts and Appetite
This program is a strong fit for:
- Neighborhood taverns and local bars
- Sports bars and pubs with roughly 50%–70% liquor sales
- Venues offering light, controlled entertainment (up to three nights per week)
Common exceptions and classes generally not eligible:
- Adult entertainment venues
- Bottle clubs, large nightclubs, and private clubs
- Pool halls, billiard parlors, and other high-risk specialty venues
If you represent casual drinking establishments with documented alcohol-service procedures, trained staff, and limited high-risk entertainment, this program is likely to be a good match.
Coverage Highlights and Advantages
The Bar & Tavern Insurance Program offers broad, hospitality-focused coverage options tailored for agents placing bar and tavern risks:
- Property coverage in basic, broad, or special form (building, contents)
- Liquor Liability — primary coverage for alcohol-related exposures
- Business income, equipment breakdown, food spoilage, computer equipment, outside signs and crime
- General Liability with options rated by seating capacity or revenues — available enhancements include assault & battery and garagekeepers where appropriate
The program structure allows you to assemble tailored packages that address the common loss drivers for bars and taverns: liquor liability claims, premises liability, equipment failure and spoilage losses.
Underwriting Notes and Minimum Premiums
This program is placed on a non-admitted basis through various carriers. Underwriting focuses on clean, well-managed operations: documented alcohol-service policies, employee training (server/server-bartender training), security procedures, occupancy and entertainment controls, and claims history.
Minimum premiums vary by state, carrier and account profile. Expect underwriting to consider location, seating capacity, alcohol sales percentage, entertainment schedule, and loss control measures when determining terms.
Territories and Availability
The Bar & Tavern Insurance Program is available in most U.S. jurisdictions, including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. State availability and specific terms may vary by carrier.
Why Work With Advanced E&S Group - Southeast Region?
As a Managing General Agency, Advanced E&S Group provides agents with direct access to non-admitted capacity and underwriters experienced in hospitality risks. The MGA model supports faster responses, flexible forms, and placement options for accounts that struggle to fit admitted markets. You’ll benefit from multiple carrier relationships and an emphasis on pragmatic underwriting for bars and taverns.
Example scenarios:
- You have a neighborhood sports bar with 60% liquor sales, 150 seats, and live trivia twice weekly — the program can combine liquor liability, GL and property with business income and equipment breakdown to create a tailored package.
- You represent a small pub with high-value kitchen equipment and frequent catering events — the program’s property and equipment breakdown options plus crime and food spoilage coverage help address those exposures.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Bars, taverns, pubs and sports bars with roughly 50%–70% liquor sales and limited entertainment (no more than three nights per week) are ideal candidates.
Are nightclubs or adult entertainment venues eligible?
No. This program excludes adult entertainment, bottle clubs, nightclubs, private clubs, and similar high-risk venues.
What coverages are included?
Available coverages include liquor liability, property (basic, broad or special forms), general liability (with assault & battery options), business income, equipment breakdown, food spoilage, crime and more.
Is this an admitted or non-admitted program?
This program is written on a non-admitted basis through various carriers.
In which states is the program available?
The program is available in most states, including the Southeast Region and many others. Specific availability and terms vary by state and carrier.
Need help placing an account? Connect with a market specialist.