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Stoermer Insurance Brokers
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Stoermer Insurance Brokers
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Bar-Restaurant Insurance

Bar-Restaurant Insurance including Liquor Liability coverage available in OHIO, KENTUCKY & INDIANA
 
Stoermer Insurance Brokers is an Ohio-based wholesale broker with over 40 years of experience placing Bar, Tavern and Restaurant risks. We provide Liquor Liability — on a monoline or package basis — to retail agents throughout Ohio, Kentucky and Indiana. Our program is designed for independent agents who need flexible placement options for on- and off-premises alcohol exposures.
 
We can offer Bar-Restaurant - Liquor Liability Coverage monoline or on a package basis for the following classes:
  • Adult Entertainment Establishments
  • Bars & Taverns
  • Beverage/Package/Liquor Stores
  • Billard or Pool Halls
  • Bowling Alleys
  • Caterers
  • Clubs - Country or Golf
  • Clubs - Fraternal
  • Clubs - Non-Fraternal - Civic, Service or Social
  • Concessionnaires
  • Convenience Stores
  • Dance Halls & Ballrooms
  • Distributors
  • Golf Courses - Municipal/Public
  • Grocery Stores
  • Hotels/Motels
  • Nightclubs
  • Restaurants
  • Rental Halls
  • Special Events
  • Theatres
  • Wineries

Overview of the Program from Stoermer Insurance Brokers

Our Bar-Restaurant Insurance program focuses on liquor liability exposures plus related GL and property needs where permitted. We work with several admitted and non-admitted carriers and position submissions to match carrier appetites — whether you need a straightforward liquor liability monoline, a combined package, or excess capacity through E&S placement. Stoermer serves retail agents in OH, KY and IN and can guide you toward the best available market for each account.

Ideal Accounts and Appetite

  • Typical fits: independent bars, taverns, restaurants, nightclubs, wineries, golf/club facilities, package stores and event/concession operations.
  • We can consider both on-premises and off-premises liquor exposures, caterers with alcohol service, and special events where liquor is sold or served.
  • Preferred accounts generally have reasonable loss histories, trained staff, written alcohol service procedures, and appropriate security for higher-risk operations.
  • Higher-risk or unusual exposures (late-night nightclubs, large-capacity concert venues, or locations with repeated liquor claims) can be considered but often require higher limits, endorsements, or placement in the non-admitted market.

Coverage Highlights and Advantages

  • Liquor Liability available monoline or packaged with GL, property and liquor-related endorsements where applicable.
  • Access to multiple admitted and surplus markets to improve placement success for most accounts.
  • Programs structured for flexible limits and tailored endorsements — useful for restaurants, bars, caterers and event operators.
  • Experienced underwriting review to identify loss control items that improve pricing and insurability (e.g., staff training, ID checks, licensed security).

Underwriting Notes and Minimum Premiums

Underwriting factors include hours of operation, alcohol sales percentage, occupancy/capacity, security measures, loss history and management controls. Minimum premiums vary by carrier and class — contact Stoermer for specific minimums and submission requirements. We recommend including an ACORD application, recent loss runs, and details on alcohol service procedures with your submission.

Territories and Availability

Available to retail agents in Ohio, Kentucky and Indiana (OH, KY, IN). Stoermer places both admitted and E&S paper depending on the account; some coverages or classes are only available in the surplus market. Please confirm state-specific eligibility when submitting.

Why Work with Stoermer Insurance Brokers

  • 40+ years placing hospitality and liquor exposures for retail agents in the tri-state area.
  • Access to several carriers and the flexibility to move between admitted and E&S markets.
  • Practical underwriting feedback and clear submission requirements to speed placement.
  • Responsive wholesale service designed to support independent agents and their insureds.

Example scenarios

You might have a neighborhood bar with a good loss record that needs a clean liquor liability monoline with competitive pricing — we can often place those with admitted carriers. Or you may have a winery that does tastings and hosts events; we can package liquor liability with general liability and event options to fit that operation.

Frequently Asked Questions

What types of accounts are a good fit for Stoermer’s Bar-Restaurant program?

Independent bars, taverns, restaurants, nightclubs, wineries, package stores, caterers and event operators in OH, KY and IN are core targets. Accounts with reasonable loss histories and documented alcohol service procedures typically place most easily.

Can you write both admitted and non-admitted liquor liability?

Yes. Stoermer works with several admitted and surplus markets. Some classes or higher-risk accounts may be placed in the E&S market while more standard risks can qualify for admitted paper.

What information should I include with a submission?

Include an ACORD application, three years of loss runs, a description of alcohol service procedures (server training, ID checks), hours and occupancy, and any security details. This helps underwriters respond faster and more accurately.

Are minimum premiums the same across classes?

No. Minimums vary by carrier and class. Contact Stoermer for current minimum premium information and to determine the best carrier for a specific account.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Excess & Surplus Lines Broker
  • Admitted:
    Some Available States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    Varies
  • Min Premium:
    Varies

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