At
Axiom Insurance Managers our expertise covers many risks, from the neighborhood tavern to the gentlemen’s club. We tailor our
Bar and Tavern Insurance to the unique operations, exposures and state requirements of each risk, resulting in a customized insurance program that will fit your clients’ needs.
Eligible Exposures:
•Adult Entertainment, including clubs and “go-go” dancing
•Adult bookstores
•Bars
•Brew pubs
•Cabarets
•Clubs
•Cognac bars
•Comedy clubs
•Convenience stores selling alcoholic beverages
•Country clubs
•Dance venues
•Jazz clubs
•Liquor stores
•Martini bars
•Microbreweries
•Nightclubs/Lounges
•Package store
•Upscale (primarily high valued liquor) bars
•Upscale gentleman’s clubs
•Western themed clubs
•Wholesale distributor
•Wine bars
•Wineries
Ineligible Exposures:
•Arenas and Stadium Owners
•Auditoriums and Fairgrounds
•College fraternities or sororities
•Contact sports fields on premises
•Dancing on bars, speakers or any other raised platforms
•Interactive amusement devices
•Allowing pyrotechnics
•Allowing stunt activities
•Liquor Manufacturing
•Western Nightclubs
Optional Coverage's Available:
Property and Business Income (both subject to Coastal Wind Exclusions) and the Special Coverage Extension Endorsement, which includes: cooking protection systems, credit card receipts, extended loss of income coverage, personal property loss resulting from changes in temperature or humidity, off premise power failure, food spoilage, personal effects, valuable papers and records, accounts receivable, exterior signs, building ordinance or law coverage, newly acquired or constructed property - increased limit, radios or television antennas, outdoor trees, shrubs and plants, debris removal, guests property - safe deposit box, money & securities coverage, building glass, fire department service charge & fire protection equipment recharge, outdoor property, computer equipment coverage, and fine arts. Assault and Battery options:
•Excluded
•Silent
•Sub limit
•Full A&B up to GL limit
Defense outside the Limit of Liability, Combined Single Limit, Hired and Non-Owned Auto Liability, Valet, Additional Insureds, Employment Practices Liability
Program Territory
All states except: Iowa and New York, with some territorial restrictions in remaining states. Only GL can be written in Michigan.
Submission Requirements
Completed and Signed ACORDs, Expiring Term and Prior Three to Five Years Currently Valued Loss Runs Supplemental application, either Axiom’s or another carrier’s and Target pricing or expiring premium.
Call Axiom today for all of your Bar and Tavern Insurance risks!