Overview of the Program From Continental Risk / Continental Marine Insurance Services
Continental Risk / Continental Marine Insurance Services specializes in helping agents place hospitality risks with a focus on liquor liability. Whether you’re working with a new venture or an established business, our Bars, Taverns, and Restaurants Liquor Liability Insurance Program offers flexible solutions in a tough market segment. From monoline liquor liability to full package policies including general liability and property, we provide options tailored to your clients' operational needs.
Ideal Accounts and Appetite
We are actively seeking submissions for:
- New and Existing Restaurants
- Bars and Taverns
- Nightclubs and Lounges
- Hotels with Bars or Restaurants
- Convenience Stores and Grocery/Package Stores
- Liquor Distributors and Manufacturers
Our program is a strong fit for accounts with high liquor sales—including those with 100% liquor revenue. We welcome new ventures and businesses that may not qualify for standard admitted markets.
Coverage Highlights and Advantages
- General Liability (GL)
- Liquor Liability (LL)
- Property Coverage
- Monoline Liquor Liability available
- Competitive terms through A-rated carriers
- Non-admitted markets available in most states
You might be working with a client opening a new bar with no prior insurance history or a restaurant transitioning to include full bar service. Our program is designed to accommodate these scenarios with underwriting flexibility and strong carrier partnerships.
Underwriting Notes and Minimum Premiums
Minimum premiums start at $2,500 for GL/LL and $5,000 for package policies including GL/LL/Property. Our underwriting team evaluates each risk based on operations, location, liquor sales ratio, and loss history.
Territories and Availability
Our Bars, Taverns, and Restaurants Liquor Liability Insurance Program is available in the following states:
AK, AZ, AR, CA, FL, GA, ID, MO, NV, NC, OR, TN, TX, UT, WA
Why Work With Continental Risk / Continental Marine Insurance Services?
As a General Agency and Excess & Surplus Lines Broker, Continental Risk / Continental Marine Insurance Services brings deep expertise in hospitality and liquor-related risks. We offer access to A-rated carriers, fast turnaround on quotes, and solutions for hard-to-place accounts. Whether your client is opening their first tavern or operating multiple bar locations, we’re here to support your success.
FOR FURTHER INFORMATION ABOUT OUR RESTAURANT/BAR/TAVERN PROGRAM, PLEASE FEEL FREE TO CONTACT OUR OFFICE.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for restaurants, bars, taverns, nightclubs, convenience stores, liquor stores, and liquor distributors—even those with 100% liquor sales or new ventures.
Can I submit a new business with no prior insurance?
Yes, we welcome new ventures and can consider accounts with no prior insurance history, subject to underwriting.
Is monoline liquor liability available?
Yes, we offer monoline liquor liability for qualified classes such as bars, restaurants, clubs, and liquor retailers or manufacturers.
What is the minimum premium for this program?
The minimum premium is $2,500 for GL/LL and $5,000 for GL/LL/Property package policies.
In which states is this program available?
This program is available in AK, AZ, AR, CA, FL, GA, ID, MO, NV, NC, OR, TN, TX, UT, and WA.
Need help placing an account? Connect with a market specialist.