RESTAURANTS / BARS / TAVERNS INSURANCE — WE WANT YOUR NEW VENTURE!
Continental Risk / Continental Marine Insurance Services offers a dedicated program for restaurants, bars and taverns designed for agents and brokers placing new ventures and existing operations. This program provides broad General Liability, Liquor Liability and Property solutions through A-rated carriers and both admitted and surplus options — allowing you to place challenging accounts that need tailored underwriting and flexible capacity.
Overview of the Program
This program is aimed at hospitality risks where liquor exposure is a primary concern. We can deliver packaged GL/LL/Property placements for new ventures as well as monoline liquor liability for accounts that only need liquor coverage. The program accepts accounts with high liquor sales (100% liquor sales OK) and works with experienced agents to structure appropriate limits and endorsements.
Ideal Accounts and Appetite
Target classes include (monoline liquor available for these):
- Restaurants (full service and limited service)
- Bars / Taverns
- Hotels with bar operations
- Private and social clubs
- Convenience stores and grocery/package stores
- Liquor distributors and manufacturers
Typical fits: single-location to small multi-location operations, new ventures, remodels with updated risk controls, and locations with strong management and documented alcohol-service policies.
Coverage Highlights and Advantages
- GL, Liquor Liability and Property available together for turnkey placements.
- Monoline Liquor Liability offered when only liquor exposure is required.
- Accepts accounts with 100% liquor sales in appropriate circumstances.
- Placement through A-rated carriers for admitted or non-admitted capacity where appropriate — "Most Available Markets."
- Ability to consider enhanced risk control endorsements and optional liquor risk management requirements to improve pricing and terms.
Underwriting Notes and Minimum Premiums
Underwriters review food vs. alcohol sales mix, seating and occupancy, security and ID procedures, hours of operation, past claims and management experience. Remodels and new openings are considered if they demonstrate strong controls and documented policies.
Minimum premiums: $2,500 for GL/LL; $5,000 for GL/LL/Property.
Territories and Availability
Program capacity is available in: AK, AZ, AR, CA, FL, GA, ID, MO, NV, NC, OR, TN, TX, UT, WA. Availability may vary by carrier and whether admitted or surplus placement is required.
Submission Guidance & Examples
When submitting, include:
- Completed application(s) with revenues and sales breakdown (food vs. alcohol)
- Loss runs (if in business more than a year)
- Location details, occupancy and fire protection information
- Alcohol training, security and incident policies
Realistic examples of good fits:
- A neighborhood tavern reopening under new ownership with documented alcohol-service training and an investment in on-site security.
- A hotel with an on-site bar seeking combined GL/LL/Property coverage for a recently renovated food and beverage operation.
Why Work With Continental Risk on These Accounts
As a General Agency and Excess & Surplus Lines broker, Continental Risk / Continental Marine Insurance Services pairs underwriting expertise for hospitality risks with access to A-rated carriers and flexible E&S capacity. We work with agents to find workable terms for higher-liquor exposures and new ventures that need close underwriting attention.
For further information about our Restaurant/Bar/Tavern program or to submit a risk, please feel free to contact our office. Visit WWW.CONTINENTALRISKINS.COM for more information.