Ideal Accounts and Appetite
This program targets a wide range of establishments, including:
- Bars and Taverns
- Nightclubs with entertainment and dancing
- Restaurants with full-service bars
- Fast food locations with liquor service
We can consider both new ventures and existing businesses, with sales up to $5,000,000 for restaurants and up to $3,000,000 for bars and taverns. Accounts involving bouncers and late-night operations are eligible. If you’re looking to place a new nightclub with dancing and a full bar, or a tavern in a recently renovated building, this program could be a strong fit.
Coverage Highlights and Advantages
Our Bar and Tavern Insurance program offers two tiers of Liquor Liability coverage:
- Basic Coverage: Excludes assault or battery coverage; expense costs are inside the limits.
- Top Shelf Coverage: Includes full limits for assault or battery; expense costs are outside the limits.
Additional Commercial Property and Casualty coverages include:
- Umbrella and Excess General Liability options
- Employment Practices Liability quotes available
- Equipment Breakdown coverage with up to $250,000 in spoilage and refrigerant contamination, plus power interruption protection
- Value Plus endorsement for loss of accounts receivables, valuable papers, employee dishonesty, and more
- No liability deductible
- Property credits available for newer or recently updated buildings
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the risk profile and selected coverages. The program is designed to accommodate both small and mid-sized businesses operating in the food and beverage industry. Our underwriting team is experienced in handling accounts with complex exposures such as high liquor sales or live entertainment.
Territories and Availability
This program is available in the following states: CT, ME, MA, NH, NJ, NY, PA, RI, and VT. We work with a variety of carrier partners to offer admitted and non-admitted solutions, depending on the jurisdiction and risk characteristics.
Why Work With The Demetriou Group
As a Managing General Agency with deep experience in hospitality-related risks, The Demetriou Group provides agents and brokers with access to competitive markets and responsive underwriting. We understand the challenges associated with placing bar and tavern business and are here to help you secure the right coverage for your clients—efficiently and effectively.
Call us today for all of your Bar and Tavern Insurance needs!
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target bars, taverns, nightclubs, and restaurants with liquor service. New ventures and businesses with entertainment or bouncers are eligible.
Is assault and battery coverage available?
Yes, our Top Shelf Coverage includes full limits for assault and battery with expense costs outside the limits.
Can you write accounts with 100% liquor sales?
Yes, we offer Liquor Liability coverage for establishments with up to 100% liquor sales.
In which states is the program available?
The Bar and Tavern Insurance program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT.
Are property credits available?
Yes, restaurants in newer or recently updated buildings may be eligible for property credits.
Need help placing an account? Connect with a market specialist.