Workers Compensation Solutions for Bars and Taverns
Insurance Program Managers Group (IPMG) offers specialized Workers Compensation insurance markets designed specifically for bars and taverns across the United States. Whether your client is launching a new establishment or managing a long-standing neighborhood pub, IPMG delivers competitive pricing, underwriting expertise, and responsive service tailored to this niche.
We understand the unique challenges in the hospitality sector. Our program is built for agents and brokers seeking comprehensive Workers Compensation solutions for clients in the bar and tavern industry — with access to multiple carriers and flexible underwriting options.
Ideal Accounts and Appetite
This program is ideal for:
- Neighborhood bars and pubs
- Sports bars
- Cocktail lounges
- Taverns with live entertainment (excluding nightclubs)
Note: Nightclubs and gentlemen’s clubs are not eligible for this program.
You might have a new bar owner seeking affordable startup coverage or an experienced operator with prior losses looking for flexible options — IPMG can help with both.
Coverage Highlights and Advantages
- Access to A-rated carriers or better
- Markets available for high experience mods
- Premiums starting at $500 and scaling to $1M+
- Startup businesses accepted
Our carrier partners vary by state, allowing us to match your client’s risk with the most competitive and appropriate market available.
Underwriting Requirements
To begin the underwriting process, please submit the following:
- Completed ACORD application with a detailed description of operations
- Currently valued loss runs (if applicable)
- Current Experience Modification Rating (if applicable)
Territory and Availability
This program is available in the following states: AK, AL, AR, AZ, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MS, NC, NE, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, and DC. Coverage is offered through both admitted and non-admitted markets, depending on state-specific availability and risk characteristics.
Why Work With IPMG?
As a wholesale broker with deep experience in Workers Compensation for hospitality businesses, IPMG brings unmatched knowledge and market access to the table. Our team is focused on delivering exceptional service to both agents and their clients. We help you find the best fit at the most competitive premium — no matter the size or complexity of the account.
Partner with IPMG and give your bar and tavern clients the Workers Compensation protection they need — with the confidence that comes from working with a trusted, experienced wholesale broker.