Overview of the Program From Cochrane & Company
Cochrane & Company is a trusted Managing General Agency (MGA) with a strong presence in the Pacific Northwest. Our Bar & Tavern Insurance program is a non-admitted solution built to address the complex liability and property exposures faced by bars, taverns, nightclubs, and similar venues. We work with a variety of carriers to provide flexible underwriting and competitive options for your hard-to-place accounts.
Ideal Accounts and Appetite
This program is ideal for:
- Bars and taverns with high liquor-to-food sales ratios
- Establishments with dance floors or live entertainment
- Gentlemen’s clubs
- Nightclubs and lounges
- Venues offering gambling or gaming
- New ventures entering the bar or nightclub space
- Businesses providing outside catering services that serve alcohol
We accept high-risk classes that many standard carriers avoid. If you have a client with a startup club or a bar featuring weekend DJs and a robust nightlife crowd, this program can help you place that business with confidence.
Coverage Highlights and Advantages
Bar & Tavern Insurance features include:
- Competitive pricing options
- Comprehensive package offering General Liability, Property, and Liquor Liability
- Hired and Non-Owned Auto coverage
- Employment Practices Liability (EPLI)
- Equipment Breakdown
- Identity Recovery Coverage
- Non-auditable policy for simplified administration
- Assault & Battery coverage
- Double aggregate limits on Liquor Liability
- Medical Payments included
- Flexible underwriting for high liquor-to-food sales ratios
We remain silent on certain classes and apply sublimits on others, allowing us to craft a solution that balances flexibility with underwriting discipline.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on class and location. A 10% down payment and 11-month installment plan option is available to help your clients manage cash flow. We take a practical approach to underwriting, focusing on the business’s operations, controls, and history rather than rigid criteria.
Territories and Availability
This program is currently available in the following states:
- Idaho (ID)
- Montana (MT)
- Oregon (OR)
- Washington (WA)
All placements are non-admitted, offering the flexibility needed to write challenging risks in this sector.
Why Work With Cochrane & Company?
Agents and brokers choose Cochrane & Company because we understand the nuances of bar and tavern risks. Our experienced underwriters are familiar with the exposures your clients face and can offer practical solutions for tough classes. With access to multiple markets, efficient service, and a commitment to helping you succeed, we make it easier to write and retain this specialized business.
For questions or more information regarding Bar & Tavern Insurance, please contact us!
Frequently Asked Questions
What types of accounts are a good fit for this Bar & Tavern program?
We target bars, taverns, nightclubs, gentlemen’s clubs, and similar venues—especially those with high liquor sales, entertainment, or unique exposures that are difficult to place in the standard market.
Is this program available for new ventures?
Yes, new ventures are eligible. We will consider startup bars and clubs with detailed business plans and proper risk management in place.
What coverages are included in the package?
The package can include General Liability, Property, Liquor Liability, Assault & Battery, EPLI, Hired/Non-Owned Auto, and more.
In which states can I write business through this program?
This program is available in Idaho, Montana, Oregon, and Washington.
What is the payment structure for this program?
We offer a 10% down payment option with 11 monthly installments to make premium payments more manageable for your clients.
Need help placing an account? Connect with a market specialist.