Restaurants, Bars & Nightclubs Insurance

RESTAURANTS, BARS & NIGHTCLUBS INSURANCE PROGRAM

Ck Specialty Insurance Associates, Inc. gives brokers and agents access to a focused insurance program for restaurants, bars, and nightclubs. Whether the account is a family-owned diner, a fine dining restaurant, a late-night entertainment venue, or a venue serving younger patrons, this program is built to address the hospitality and nightlife exposures that are often hard to place in the standard market.

LINES OF COVERAGE:
PROPERTY
GENERAL LIABILITY
LIQUOR LIABILITY
HIRED & NON-OWNED AUTO LIABILITY
UMBRELLA / EXCESS LIABILITY

This program is designed for flexibility: it accommodates high liquor sales, live entertainment, and under-21 venues. With access to both domestic and London markets plus in-house binding authority, Ck Specialty helps you move quickly and competitively when placing challenging accounts.

IDEAL ACCOUNTS & APETITE:
- Family-owned restaurants (with or without table service)
- Franchise restaurant chains
- Fine dining establishments
- Bars and taverns
- Nightclubs offering:
    - Dance floors
    - DJs and live music
    - Karaoke or stage performances
    - Adult entertainment

This program is a solid option when you have clients with high liquor receipts, regular live entertainment, or venues that are difficult to place in admitted markets.

PROGRAM HIGHLIGHTS:
- Minimum premium starting at $750
- Assault & Battery coverage available up to $1M (subject to underwriting)
- Will consider accounts with up to 100% liquor receipts
- Markets that will consider under-21 clubs
- Access to A+ rated carriers and a broad Excess & Surplus Lines panel
- Fast quote turnaround with in-house binding and brokerage markets
- Domestic and London market placement options

UNDERWRITING & TERRITORY NOTES:
This is a non-admitted program placed through Excess & Surplus Lines carriers, giving you flexibility for risks that fall outside standard underwriting guidelines. Typical considerations include liquor sales mix, entertainment exposure, security procedures, and prior loss history.

Currently available in Idaho, Nevada, and Washington.

WHY WORK WITH CK SPECIALTY?
Ck Specialty Insurance is a family-owned MGA/wholesaler and surplus lines broker based in the Western U.S. Their underwriting focus is on hard-to-place hospitality risks, and they combine market access (including London) with fast service and in-house binding to help you place difficult accounts efficiently.

Example placements you can present:
- A late-night club with nightly DJs and high liquor receipts seeking assault & battery limits and umbrella capacity.
- A downtown restaurant that hosts weekly live music and needs combined property, GL, liquor liability, and hired/non-owned auto coverage.

Ck Specialty Insurance: Opening market doors…for you.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for restaurants, bars, taverns, and nightclubs — including venues with dance floors, DJs, karaoke, stage performances, or adult entertainment. Accounts with high liquor receipts or under-21 patrons are also considered.

What coverage limits are available for Assault & Battery?

Assault & Battery coverage can be offered with limits up to $1 million, depending on the risk profile and underwriting approval.

Are under-21 clubs eligible for coverage?

Yes. Under-21 clubs can be eligible, subject to underwriting guidelines and the specifics of the operation.

Which states is this program available in?

This program is currently available to agents and brokers placing business in Idaho, Nevada, and Washington.

Is this an admitted or non-admitted program?

This is a non-admitted Excess & Surplus Lines program, which provides flexibility for risks that do not fit standard admitted markets.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

Provider Type:

Excess & Surplus Lines Broker

Admitted:

No States

Carriers:

Carrier Ratings:

A or better

Commission:

Varies

Min Premium:

$750

Coverages:

Nightclubs/Entertainment Venues Insurance Restaurant Packages Insurance Restaurant Tenants Insurance Restaurants (Casual Dining) Insurance Restaurants (Fine Dining) Insurance Restaurants and Bars Pollution Liability Insurance Restaurants and Bars Site Specific Pollution Liab Insurance Restaurants Crime Insurance Restaurants- Dine-in Insurance Restaurants Property Insurance

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Ck Specialty Insurance Associates, Inc. has other insurance programs like Alarm and Electronic Security Insurance.

Ck Specialty Insurance Associates, Inc.