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At Axiom Insurance Managers, we specialize in insuring hospitality risks—ranging from local bars to upscale nightclubs and adult entertainment venues. Our Bar and Tavern Insurance program is designed to address the unique exposures, operations, and compliance requirements that come with liquor-serving establishments. Whether your client operates a wine bar, dance club, or gentleman’s club, we tailor coverage to fit their specific needs and state regulations. Ideal Accounts and Appetite Our program is ideal for a wide range of hospitality and nightlife businesses, including but not limited to: Bars and taverns Nightclubs and lounges Comedy and jazz clubs Brew pubs and microbreweries Adult entertainment venues and gentlemen’s clubs Wine and martini bars Liquor stores and package stores Dance venues and cabarets Upscale bars and cognac bars Country and western-themed clubs Convenience stores selling alcohol Wineries and wholesale distributors Ineligible risks include arenas, fairgrounds, college fraternities or sororities, venues with stunt activities or pyrotechnics, liquor manufacturing, and establishments that allow dancing on raised platforms such as speakers or bars. Coverage Highlights and Advantages Our comprehensive coverage options are designed to protect against the most common and complex risks in the bar and tavern industry. Optional coverages include: Property and Business Income – Subject to coastal wind exclusions Special Coverage Extension Endorsement – Covers credit card receipts, food spoilage, off-premise power failure, personal property affected by temperature/humidity, and more Assault & Battery Coverage Options – Excluded, Silent, Sub-limit, or Full A&B up to the GL limit Additional Enhancements – Employment Practices Liability, Hired and Non-Owned Auto, Valet, Additional Insureds, and Defense Outside the Limit This program addresses key exposures such as liquor liability, property damage, bodily injury, and operational interruptions—helping your insureds reduce risk and remain compliant. Underwriting Notes and Minimum Premiums Minimum premium starts at $2,500. To submit a risk, please provide: Completed and signed ACORD applications Expiring term information Three to five years of currently valued loss runs Completed supplemental application (Axiom’s or another carrier’s) Target pricing or expiring premium We work with a variety of carriers and write this program on a non-admitted basis in all available states. Territories and Availability This program is available in all U.S. states except Iowa and New York. There are some territorial restrictions in other states. In Michigan, only General Liability coverage is available. Why Work With Axiom Insurance Managers? Axiom Insurance Managers brings deep industry knowledge and a responsive underwriting approach to a challenging class of business. Our team understands the nuances of nightlife, alcohol-serving, and adult entertainment operations. We work closely with brokers to craft customized solutions that meet the risk profile of each account, no matter how complex. From fast-paced nightclubs to quiet wine bars, we help you place business confidently and competitively. Let us help you close more bar and tavern accounts with confidence—submit your risks to Axiom today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for bars, taverns, nightclubs, adult entertainment venues, wine bars, microbreweries, and liquor/package stores. Are there any types of businesses that are not eligible?Yes, we do not write arenas, stadiums, fairgrounds, college fraternities, venues with stunt activities or pyrotechnics, liquor manufacturers, or places that allow dancing on raised platforms. Is this program admitted or non-admitted?The program is written on a non-admitted basis through various carriers. Which states is the program available in?The program is available in all states except Iowa and New York, with restrictions in some states. Only General Liability is available in Michigan. What documentation is required to submit a risk?You’ll need completed ACORDs, loss runs for the past 3–5 years, expiring premium or target pricing, and a supplemental application. Need help placing an account? Connect with a market specialist.

Axiom construction underwriters have specialized in this segment for over 15 years. Our General Contractors Insurance Program is tailored for small general contractors, including Residential Home Builders, Residential and Commercial Remodelers, Tenant Improvement Contractors, and Commercial Builders. We focus on risks with less than $15,000,000 in annual receipts and under $3,000,000 per project. Higher values may be considered based on submission quality. There is no restriction on the percentage of subcontracted work, making this program flexible for a wide variety of contractor operations. PRODUCT DETAILS PRODUCT FEATURES Residential and Commercial Experienced & Professional Staff Subcontractor Work Covered Competitive Rates & Deductibles Full Occurrence Form Prompt Policy Issuance Waiver of Subrogation Direct Bill and Financing Options New Ventures & Gaps in Coverage Welcome Coverage Available in Most States $1M/$2M Aggregate Limits Available A- Rated by A.M. Best Minimum Premium $1,500 Admitted Paper Depending on Risk Coverage and Limits Available (Maximum) General Liability $1,000,000 Each Occurrence $2,000,000 General Aggregate (Excl. Products/Completed Ops) $2,000,000 Products Completed Operations $1,000,000 Personal and Advertising Injury $100,000 Damage to Premises Rented (up to $300,000 for commercial) $5,000 Medical Payments For more information, visit www.axiom-ins.com or contact: Jerry McCabe Underwriting 847-228-5883 x233 [email protected] Steve Danielson, CPCU, ARM Vice President / Marketing Director [email protected] 772-380-3700 Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small general contractors, including residential and commercial builders, remodelers, and tenant improvement specialists with annual receipts under $15 million. Are new ventures or contractors with lapses in coverage eligible?Yes, Axiom considers new ventures and accounts with gaps in coverage, subject to underwriting review. Is there a subcontractor work limitation?No, there is no limitation on the percentage of work subcontracted to others. Subcontractor work is covered under the program. What are the typical coverage limits offered?The program offers general liability limits up to $1M per occurrence and $2M aggregate, including products/completed operations. In which states is this program available?The program is available in most states, including CA, TX, FL, IL, GA, and over 40 others. Need help placing an account? Connect with a market specialist.