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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 strives to be your preferred market for Hotel and Motel Insurance risks, franchise or non-franchise, limited or full range of amenities, with or without food or liquor service. We tailor an insurance program to the unique operations and exposures of each risk resulting in a customized insurance program that fits your clients’ needs. Program Highlights Why Choose Axiom Innkeepers Legal Liability Experienced & professional staff Hotel shuttles and vans In-house binding authority with competitive rating Franchised or non-franchised accepted Competitive rates & underwriting flexibility Small to medium motels up to 200 units Prompt policy issuance Liquor liability available for restaurants Direct bill & financing now available New ventures with 3+ years experience Coverage available in most states Minimum Premium GL - $2,500 A.M. Best "A" rated, non-admitted carriers Coverage’s and Limits Available General Liability Ø $1,000,000 Each Occurrence / $2,000,000 General Aggregate (other than Products/Completed Ops) / $2,000,000 Products Completed Operations Ø $1,000,000 Personal and Advertising Injury Ø $1,000,000 Damage to Rented Premises Liquor Liability (Package or Mono-Line) Ø $1,000,000 Each Common Cause Ø $2,000,000 Aggregate (per location aggregate applicable) Assault and Battery Umbrella / Excess: Limits up to $10 Million Optional Coverages Ø Property - Business Income - Food and Beverage Spoilage (subject to Coastal Wind Exclusions) Ø Innkeeper Liability Ø Broad Form CGL Ø Crime, Assault and Battery

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