Bars and Taverns Insurance Program from Allstar Financial Group
Allstar Financial Group’s Bars/Taverns Insurance Program is designed specifically for independent agents looking to place coverage for hospitality businesses with liquor exposures. Through our specialized underwriting division, Allstar Underwriters, we offer a comprehensive suite of coverages tailored to the unique risk profile of bars, taverns, pubs, and similar establishments.
Our program provides flexible options that include Property, Casualty, Liquor Liability, and Umbrella coverage. Whether you’re quoting a small neighborhood bar or a larger venue with entertainment and food service, our streamlined process makes it easy to quote, bind, and serve your retail clients efficiently.
Ideal Accounts and Appetite
This program is a solid fit for:
- Bars and taverns with or without food service
- Establishments offering live music, DJs, or entertainment
- Hospitality risks needing Liquor Liability coverage
- Accounts in need of monoline or package options
We also write a wide variety of associated risk types through our broader underwriting capabilities, including retail, wholesale, contractors, institutional, habitational, offices, and vacancies. However, the focus of this program is liquor-serving establishments.
Coverage Highlights and Advantages
Property Coverage
- Total Insured Value (TIV) up to $5 million per location
- Monoline or package policy options
- No coinsurance options available (based on risk type)
- Optional enhancements such as equipment breakdown
Casualty Coverage
- Monoline or packaged with other coverages
- Minimum premium starting at $500
- Primary limits up to $5 million per occurrence/aggregate
- Project-specific policies available
- Coverage for uninsured subcontractors
- Optional endorsements including:
- Blanket Additional Insured
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per Project/Per Location Aggregate
- Hired & Non-Owned Auto (for certain classes)
- Miscellaneous Professional (for certain classes)
Liquor Liability
- Limits from $100K/$100K up to $1 million/$2 million
- Available as a monoline or package
- Assault and Battery coverage follows GL form
- Available in NC, SC, GA, TN, and VA
Umbrella Coverage
- Limits up to $5 million
- Minimum premium starting at $750
- Available on a supported or unsupported basis
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the type and size of the account, with entry points starting as low as $500 for General Liability. For Umbrella coverage, the minimum premium starts at $750. Underlying policy requirements include:
- Auto or GL carriers rated A-VI or better by AM Best
- Employers Liability carriers rated B++ or better
- GL limits must be at least $1 million/$2 million/$2 million
Territories and Availability
This program is available in the following states: Alabama, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, and Virginia. Most coverages are available on a non-admitted basis across these territories, subject to state-specific eligibility.
Why Work with Allstar Financial Group?
Allstar Financial Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with access to multiple carriers and markets. Our underwriting team understands the nuances of hospitality risks and is committed to providing fast, responsive service to our agency partners. Whether you're placing a new bar opening in Georgia or renewing a long-time tavern client in North Carolina, we offer the tools and expertise to help you succeed.
Let us help you deliver tailored insurance solutions for your bar and tavern clients—quickly and efficiently. Contact Allstar Underwriters to get started today.
Frequently Asked Questions
What types of accounts are a good fit for this Bars/Taverns Insurance program?
This program is ideal for bars, taverns, pubs, and similar establishments with liquor liability exposures, especially those that offer food service or live entertainment.
Can I write liquor liability as a monoline policy?
Yes, liquor liability can be written on a monoline or package basis, with limits available up to $1 million/$2 million in select states.
What is the minimum premium for this program?
Minimum premiums start at $500 for General Liability and $750 for Umbrella coverage, but final pricing varies depending on the risk type and location.
Is this program available in admitted or non-admitted markets?
Most coverages are offered on a non-admitted basis through highly rated carriers, subject to state availability and eligibility.
Which states is this program available in?
The program is currently available in AL, GA, LA, MS, NC, SC, TN, and VA.
Need help placing an account? Connect with a market specialist.