Bars and Restaurants Insurance Program from Ashley General Agency
Ashley General Agency offers a comprehensive Bars and Restaurants Insurance Program designed to help insurance agents and brokers place coverage for hospitality businesses facing a wide range of risks. Whether your client operates a neighborhood bar, full-service restaurant, or a hybrid venue with live entertainment, our program is built to address the unique exposures common in food and beverage establishments.
We understand that these businesses are vulnerable to claims related to property damage, slip-and-fall incidents, liquor liability, employee actions, and more. Through our access to multiple markets and carriers, we’re able to provide customized solutions that protect your clients while helping you deliver value and peace of mind.
Ideal Accounts and Appetite
This program is best suited for independently owned bars, taverns, restaurants, grills, and pubs, including those that serve alcohol or host entertainment. We can consider risks with:
- On-site dining and alcohol service
- Live music, DJs, or other forms of entertainment
- Moderate to high liquor sales
- Full-service kitchens or limited food operations
We typically avoid risks with a history of frequent claims, late-night operations without adequate security, or businesses located in high-risk zones without proper loss control measures.
Coverage Highlights and Advantages
Our Bars and Restaurants Insurance Program offers a broad suite of coverages that can be tailored to fit each client’s specific operations. Available coverages include:
- Property Insurance – Protects against losses due to fire, theft, vandalism, and other physical damage to buildings and contents.
- General Liability – Covers third-party bodily injury and property damage claims that occur on the premises.
- Liquor Liability – Essential for establishments that serve alcohol; protects against claims arising from alcohol-related incidents.
- Professional Liability – Helpful for businesses offering catering, hosting events, or other specialized services.
- Umbrella and Excess Insurance – Additional limits to protect against catastrophic losses.
Underwriting Notes and Minimum Premiums
Our minimum premium starts at $500, making this program accessible for smaller operations as well as larger venues. We work with a variety of carriers to find the best fit based on risk profile, location, and operations. Submissions should include a completed application, loss runs, and details on operations, liquor sales, and any entertainment offered.
Territories and Availability
This program is currently available in Texas. Admitted markets are available in select cases, depending on the risk profile and location. We also offer non-admitted options through our broad market access, giving agents flexibility in placing both standard and hard-to-place risks.
Why Work With Ashley General Agency?
As a Managing General Agency and Excess & Surplus Lines Broker, Ashley General Agency brings specialized expertise and market access to help agents find solutions for hospitality clients. Our team understands the complexities of the bar and restaurant industry and works closely with agents to deliver competitive quotes, fast turnaround, and responsive service.
Whether your client is a startup gastropub or an established family-owned restaurant with liquor exposure, we can help you secure the coverage they need. Tap into our program and let us help you grow your hospitality book with confidence.
Contact us for more information on our Bars and Restaurants Insurance program by calling 936-585-6442
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for bars, restaurants, taverns, grills, and pubs, especially those serving alcohol or offering live entertainment in Texas.
Is liquor liability coverage included in the program?
Yes, liquor liability is one of the core coverages offered, especially important for establishments that serve alcohol on-site.
What is the minimum premium for this program?
The minimum premium starts at $500, making it accessible for small to mid-sized operations.
Are both admitted and non-admitted markets available?
Yes, we offer access to both admitted and non-admitted markets, depending on the specific risk and underwriting requirements.
What underwriting information is needed for a quote?
Typical submissions should include a completed application, loss runs, and details about liquor sales, operations, and any entertainment offered.
Need help placing an account? Connect with a market specialist.