Whether your client runs a fine dining restaurant, a quick-service outlet, or a late-night tavern, Gorst & Compass Insurance delivers market access and underwriting expertise to place coverage quickly and efficiently. The Restaurants, Bars & Taverns Insurance Program is built to address the most common and unique risks in the food and beverage industry, with flexible options that range from monoline policies to full package programs.
Program Overview
Gorst & Compass is a wholesale broker offering access to both admitted and non-admitted “A” rated carriers. Our program supports a wide spectrum of hospitality operations — from neighborhood cafés to higher-exposure nightclubs and live-entertainment venues. We prioritize fast quotes, competitive pricing, and policy forms tailored to each account’s operations and exposures.
Target Risks
• Restaurants (fine dining, casual, and family)
• Fast food and quick-service establishments
• Bars, taverns, and lounges
• Nightclubs and venues with entertainment or dance floors
• Karaoke lounges and similar concepts
• Other food & beverage operations with liquor or assault exposures
Coverage Highlights
• Monoline General Liability or Property options
• Package policies combining property, liability, and liquor liability
• Liquor liability – available monoline or included in package
• Assault & battery coverage for venues with higher violence exposure
• Spoilage and equipment breakdown protection
• Excess liability limits up to $10 million
Underwriting Notes and Minimum Premiums
Gorst & Compass works with both admitted and non-admitted markets to handle standard and hard-to-place risks. Minimum premiums and final terms depend on class, payroll/sales, location, security, and prior loss history. Our team aims for quick turnaround—many submissions receive initial indications within 24–48 hours.
Territories and Availability
This program is currently available in California. Appetite and availability can vary by county and risk characteristics; contact us for a state-specific evaluation.
Why Place Restaurants, Bars & Taverns with Gorst & Compass?
As a specialized wholesale broker, Gorst & Compass pairs strong carrier relationships with hands-on hospitality underwriting. We understand the operational nuances — liquor service, live entertainment, crowd density, and kitchen exposures — and structure coverage to address them. You’ll get responsive service, flexible solutions, and access to competitive admitted and non-admitted markets to help you close business.
Good-fit Examples
• A downtown gastropub with full liquor service and live music seeking GL, liquor liability, and assault & battery limits.
• A family-style restaurant looking for a package policy that includes spoilage and equipment breakdown coverage for its kitchen operations.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for restaurants, bars, taverns, nightclubs, and venues with entertainment, dance floors, or liquor exposure. We accept both standard and higher-risk accounts depending on underwriting criteria.
Is liquor liability included in the coverage?
Yes. Liquor liability can be added as part of a package or written as a monoline, depending on the account’s needs and the risk profile.
Are both admitted and non-admitted markets available?
Yes. We provide access to “A” rated admitted and non-admitted carriers to offer flexible placement options based on state rules and the individual submission.
What is the typical turnaround time for a quote?
We aim for fast responses—often within 24–48 hours for standard submissions. More complex accounts may require additional information and underwriting review time.
Is the program only available in California?
Currently, this program is available in California. Reach out to discuss specific county availability or potential expansion into other states.
Need help placing an account? Connect with a market specialist.