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https://completemarkets.com/company/bsrins/Bar-Restaurant-and-Tavern/
Bailey Special Risks, Inc. offers a comprehensive Bar, Restaurant & Tavern Insurance Program tailored for establishments with liquor sales exceeding 50% of their gross sales. This program is designed to help agents and brokers efficiently place coverage for high-liquor-exposure hospitality risks, including businesses offering dancing and live entertainment. Whether you're working with a neighborhood tavern or a packed nightclub, this market is structured to handle complex exposures in the hospitality sector.
Ideal Accounts and Appetite
This program is best suited for:
Bars and taverns with liquor sales over 50% of total revenue
Restaurants with full-service bars
Nightclubs and lounges with dancing or live music
Establishments featuring entertainment such as DJs or karaoke
Accounts that include entertainment and dancing are eligible, opening the door for a wide range of nightlife venues. Risks with strong liquor controls and a history of responsible operations are especially attractive.
Coverage Highlights and Advantages
The Bar & Tavern Package can quickly and easily be quoted for up to five lines of insurance:
Property
Liquor Liability
Excess
Umbrella
Crime coverages
Coverage is available on a package or monoline liability basis, providing flexibility depending on your client’s needs. Liquor liability is a key focus, but the program also supports broader risk management through excess and umbrella options, giving your insureds layered protection. Crime and property coverages further round out the program for complete peace of mind.
Underwriting Notes and Minimum Premiums
This program is written on a non-admitted basis through the United States Liability Insurance Group, a recognized carrier with strong hospitality expertise. Accounts are underwritten with efficiency and flexibility, making it easy to obtain quick quotes even for higher-risk operations. While no specific minimum premium is listed, submissions should reflect viable revenue and exposure levels for the hospitality class.
Territories and Availability
You can place this program in a wide range of states. Currently available in: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY.
Why Work With Bailey Special Risks, Inc.?
Bailey Special Risks, Inc. is a wholesale broker with deep experience in hard-to-place and specialty hospitality risks. With access to strong carrier markets and a responsive underwriting team, BSR helps agents and brokers place challenging bar and tavern exposures with confidence. Their streamlined quoting process and broad appetite make them a go-to resource for establishments that may not fit standard markets.
For example, if you have a client operating a late-night bar with live DJs and a dance floor, or a local restaurant with daily happy hours and over 60% liquor sales, this program offers the underwriting flexibility and coverage options you need to get the deal done.
Frequently Asked Questions
What types of accounts are a good fit for this program?Bars, taverns, restaurants with high liquor sales, nightclubs, and entertainment venues with dancing or live music are all good fits—especially those generating over 50% of revenue from alcohol.
Can I submit accounts with live entertainment or dancing?Yes, the program accepts accounts that feature entertainment such as DJs, live bands, karaoke, and dancing.
Is liquor liability available on a monoline basis?Yes, liquor liability coverage can be written as part of a package or on a monoline basis depending on your client's needs.
Which states is the program available in?The program is available in over 35 states, including CA, TX, FL, NY, and many others across the Midwest, South, and Northeast.
Who is the carrier for this program?The program is written through United States Liability Insurance Group, a trusted non-admitted market known for specialty risk expertise.
Need help placing an account? Connect with a market specialist.
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https://completemarkets.com/company/kandkinsurance/Fitness-Instructor-and-Personal-Trainer-Insurance/
https://completemarkets.com/company/insurance-markets-agency-inc/Restaurant-Bar-Tavern-Insurance/
We are actively seeking Restaurants, Bars, Taverns, fraternal organizations and social clubs (including VFW posts), plus retail and convenience stores and businesses that provide on-premises catering.
Comprehensive Restaurant/Bar/Tavern Insurance from Insurance Markets Agency Inc
Insurance Markets Agency Inc offers a targeted Restaurant/Bar/Tavern Insurance program built for hospitality risks that are difficult to place in standard markets. This program is designed for agents writing business in New Jersey and Pennsylvania and supports accounts with liquor exposures, live entertainment, dancing, and other hospitality operations that require flexible non-admitted markets.
Ideal Accounts and Appetite
Our appetite covers a broad range of hospitality and related retail operations, including:
Full-service and quick-service restaurants, including those with on-site catering
Bars, taverns, pubs and nightclubs with or without live entertainment
Venues with dancing or DJs
Fraternal organizations and social clubs (e.g., VFWs)
Convenience and retail stores that sell prepared food or alcoholic beverages
You might have a client who runs a neighborhood tavern with weekend live music and a full liquor license, or a small banquet facility that caters private events — this program is structured to cover those combined property, liability and liquor risks on a single policy.
Coverage Highlights and Advantages
Core coverages:
Commercial Property (building, business personal property)
General Liability with industry-appropriate limits
Liquor Liability available and bindable on the same policy
Single-policy placement for property, liability and liquor exposures
Optional enhancements:
Money and securities
Equipment breakdown (food spoilage coverage up to $25,000)
Glass coverage
Valuable papers and accounts receivable
Employee dishonesty/fidelity
Limits of Insurance
Property limits: Placed as required with "A"-rated markets.
General liability limits (typical):
$1,000,000 Each Occurrence
$1,000,000 Personal & Advertising Injury
$1,000 Medical Payments
$100,000 Damage to Premises Rented to You
$1,000,000 Product/Completed Ops Aggregate
$2,000,000 General Aggregate
Liquor liability: Available up to $1,000,000 per occurrence/aggregate.
Underwriting Notes and Minimum Premiums
This program is offered on a non-admitted basis through a panel of carriers. Minimum premiums and specific underwriting requirements vary by account size, class code, and individual exposures. Our underwriters have experience evaluating complex hospitality operations and can work with you to tailor coverage, endorsements, and limits to the insured’s needs.
Territories and Availability
Available to agents writing business in New Jersey (NJ) and Pennsylvania (PA). Because placements are handled on a non-admitted basis, this program can provide flexible terms for accounts that do not fit standard admitted markets.
Why Work With Insurance Markets Agency Inc?
As a Managing General Agency and Excess & Surplus Lines Broker, Insurance Markets Agency Inc specializes in hospitality risks and has established relationships with a range of "A"-rated non-admitted carriers. We provide focused underwriting, fast quoting and streamlined binding to help you place hard-to-place or uniquely exposed restaurant and bar accounts. Our team understands liquor liability, entertainment exposures and the operational nuances of hospitality businesses.
Frequently Asked Questions
What types of accounts are a good fit for this program?Restaurants, bars, taverns, nightclubs, social and fraternal clubs (including VFWs), and retail/convenience stores that serve food or alcohol—especially those with liquor or entertainment exposures—are a good fit.
Is liquor liability included in the policy?Yes. Liquor liability is available and can be combined with property and general liability on a single policy.
Can I place risks with dancing or live entertainment?Yes. Accounts with dancing, live bands, DJs or other entertainment exposures are eligible and routinely considered by our underwriters.
What states is this program available in?This program is currently available in New Jersey and Pennsylvania.
Are the carriers admitted or non-admitted?Policies are written on a non-admitted basis through various select carriers.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/pacific-coast-e-s-insurance-services/Bar-Insurance/
Bar Insurance Program from Pacific Coast E&S Insurance Services
Pacific Coast E&S Insurance Services offers a flexible, hospitality-focused Bar Insurance program designed for a wide range of food-and-beverage operations — including locations with liquor sales and entertainment exposures. Whether your client runs a neighborhood restaurant, a full bar with live music, or an adult-entertainment venue, this program provides tailored liability and property solutions to protect operations, assets, and patrons.
Ideal Accounts and Appetite
This program is aimed at food and beverage establishments with varying levels of alcohol exposure, including:
Restaurants (dine-in or take-out), with or without alcohol service
Bars, pubs, and lounges
Nightclubs and venues with dance floors
Adult entertainment venues (with or without alcohol)
Establishments offering live or recorded entertainment
Pacific Coast E&S can consider accounts with alcohol sales from 0% up to 100%. Higher-exposure locations — such as adult clubs or dance venues — are eligible when submitted with complete underwriting information.
Example fits: you might have a small Oregon bar that hosts weekend live music and a modest dance area, or a California family-style restaurant that recently added beer and wine service. Both are types of accounts this program is designed to place.
Coverage Highlights and Advantages
The program can be written as monoline Liquor Liability or as a broader package policy. Key features include:
General Liability and Liquor Liability, with Assault & Battery coverage available
Limits available up to $5,000,000
Follow-form Excess or Umbrella Liability options
Property coverage enhancements such as:
Food spoilage
Equipment breakdown
Property Extension Endorsement
Coverage for signs and computer equipment
Theft coverage (requires central station burglar alarm)
Underwriting Notes
Experienced underwriters review each submission with a focus on hospitality and nightlife exposures. Submissions should include clear details on alcohol sales, entertainment types, security practices, and loss history to speed placement. The program offers underwriting flexibility to consider higher-risk classes and tailor coverage terms to the account.
No fixed minimum premium is listed here; submit complete applications and supporting documents for the most efficient evaluation and accurate indications.
Territories and Availability
This Bar Insurance program is available in the following states:
California
Oregon
Washington
Admitted carriers are available in select states; non-admitted (surplus lines) options may be used for more specialized risks or higher exposures. Certain products may be handled nationally from a central Premier location depending on class of business and state requirements.
Why Work with Pacific Coast E&S Insurance Services?
As a wholesale broker with deep expertise in E&S markets, Pacific Coast E&S connects agents and brokers to carriers that understand hospitality exposures. The team offers access to broad coverage options, competitive limits, and a responsive underwriting staff experienced with liquor liability, assault & battery, and entertainment-related risks.
We focus on practical solutions that help you place challenging hospitality accounts — from quiet neighborhood bistros to high-energy nightclubs — with the appropriate mix of liability and property protection.
Frequently Asked Questions
What types of accounts are a good fit for this Bar Insurance program?We target restaurants, bars, nightclubs, and adult entertainment venues — with or without alcohol service, entertainment, or dance floors.
Can I submit a risk with 100% alcohol sales?Yes. The program accepts risks with up to 100% alcohol sales and has experience handling high-liquor-exposure accounts.
Is Assault & Battery coverage included?Assault & Battery coverage is available on both General Liability and Liquor Liability policies, subject to underwriting and policy terms.
Are monoline Liquor Liability policies available?Yes. We offer both monoline Liquor Liability and full package policies depending on the client’s needs.
Which states is this program available in?This program is currently offered in California, Oregon, and Washington; admitted markets are available in select states and surplus lines options are used for specialized risks.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/axiom-ins/Nightclubs-Insurance/
Axiom Insurance Managers Agency, LLC leverages more than 25 years of hospitality underwriting experience to deliver a Nightclubs Insurance program designed for venues with live entertainment, food and beverage service, and adult-entertainment operations. We provide tailored, risk-specific coverage packages so you can place accounts that need specialized underwriting, flexible limits, and practical loss-control terms.
Eligible Classes and Appetite
This program targets nightclubs and related hospitality operations, including:
Adult entertainment establishments (including “go-go” dancing)
Adult bookstores
Cabarets, jazz clubs, comedy clubs, and dance venues
Nightclubs and lounges
Upscale gentleman’s clubs
Incidental habitational, hospitality, gaming, or retail exposures related to these operations can be considered.
Common Ineligible Exposures
Dancing on bars, speakers, or other raised/unstable platforms
Interactive amusement devices
Use of pyrotechnics or sanctioned stunt activities
Liquor manufacturing
Coverage Highlights and Limits
General Liability
$1,000,000 CSL Each Occurrence
$2,000,000 CSL General Aggregate (per-location aggregate available on request for an additional fee)
$1,000,000 CSL Products/Completed Operations
$1,000,000 CSL Hired & Non-Owned Auto Liability
Excluded Medical Payments
$500,000 CSL Damage to Premises Rented to You
Liquor Liability (package or mono-line): $1,000,000 Each Common Cause / $2,000,000 Aggregate
Umbrella / Excess: Limits up to $10,000,000
Underwriting and Submission Requirements
Signed ACORD applications
Currently valued expiring term and prior three years loss runs
Supplemental application (Axiom’s or another carrier’s)
Target pricing or expiring premium
Minimums and deductible guidance: Minimum revenue generally $250,000. Minimum deductible $5,000 (higher deductibles, e.g., $10,000, may be acceptable for credits). Program minimum premium: $10,000.
Territories and Filing Status
Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY.
Please note: this program is offered through non-admitted/surplus-lines placements rather than admitted filings.
Why Place Nightclubs Insurance with Axiom
Program administrator expertise: underwriters experienced in hospitality and adult-entertainment risks.
Customized offerings: coverage forms and limits tailored to the specific operation and exposures.
Capacity and structure: broad General Liability and Liquor Liability limits with umbrella capacity up to $10M.
Flexible servicing: direct bill and financing options are available to insureds.
Agent-Focused Examples
You might place a downtown nightclub that hosts live bands and DJs, has on-premises liquor service, and annual revenue above the program minimum — requesting combined GL and liquor coverage with a per-location aggregate. Another fit could be an upscale gentleman’s club that requires higher liquor limits and umbrella protection up to $5–10M.
Submission Tips
Provide complete loss runs and a supplemental application up front to speed underwriting. Highlight loss-control measures (security staff, ID checks, stage/bar restrictions) and note any special entertainment (live bands vs. pyrotechnics or stunt shows) — those details materially affect eligibility.
Frequently Asked Questions
What types of nightclub accounts are the best fit for this program?Accounts with established security and operational controls, annual revenue at or above the $250,000 threshold, standard live entertainment (bands, DJs, comedians), and no prohibited activities (pyrotechnics, bar-top dancing, interactive amusement devices) are the best fit.
What minimum premium and deductibles should I expect?The program minimum premium is $10,000. Minimum deductibles start at $5,000; higher deductibles (for credits) are available, such as $10,000.
Is liquor liability included or separate?Liquor liability can be offered as either package or mono-line coverage. Limits up to $1,000,000 per common cause and $2,000,000 aggregate are available through the program.
Which states are supported and how is the business placed?The program is available in the list of states shown in the listing and is typically placed on a non-admitted/surplus-lines basis rather than as an admitted filing.
What speeds up underwriting and placement?Provide signed ACORDs, currently valued loss runs for the prior three years, a completed supplemental application, and the expiring premium or target pricing. Documentation of loss-control measures and detailed descriptions of entertainment and alcohol controls accelerate approval.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/RMSHospitalityGroup/Nightclub-Insurance/
When you think about placing Nightclub accounts, what matters most to you? A solid product from a reliable carrier and an MGA that works with you to get submissions on track are usually at the top of the list. RMS Hospitality Group’s Nightclub Insurance program was designed with those priorities in mind.
Overview of the Program from RMS Hospitality Group
RMS Hospitality Group offers a targeted Nightclub Insurance program built for hospitality venues, entertainment spaces, and nightlife operations. As a Managing General Agency, we provide access to admitted and non-admitted capacity through various carriers and focus on practical coverages and aggressive claim management to protect your clients and defend against frivolous or fraudulent claims.
Coverage Highlights
Our Nightclub Insurance program includes broad liability protections and specialized coverages tailored for venues where alcohol service, live entertainment, and large crowds create unique exposures. Coverage highlights include:
• Claims Services
• Risk Mitigation
• Commercial Liability
• Investigation Services
• Assault & Battery
• Liquor Liability
• Excess Liability
• Products & Completed Operations
Limits of Insurance:
• General Aggregate Limit
- $2,000,000
• Products-Completed Operations Aggregate
- $2,000,000
• Personal & Advertising Injury
- $1,000,000
• Each Occurrence Limit
- $1,000,000
• Liquor Liability Limit
- $1,000,000
• Fire Damage Limit (ANY ONE FIRE)
- $100,000
• Medical Expense Limit
- EXCLUDED
• Assault & Battery Available Up To
- $1,000,000
• Excess Limits Available Up To
- $5,000,000
• Hired/Non-Owned Auto Liability Limit
- $1,000,000
Ideal Accounts and Appetite
This program is aimed at nightclubs and hospitality venues that host DJs, live music, and dance floors, as well as food service operations inside entertainment venues. Typical target classes include:
• Food service inside nightclubs or venues
• DJs and entertainers
• Live music venues
• Establishments with dance floors and regular large-event operations
Accounts that fit best have professional security procedures, clear alcohol-service policies, and loss control measures in place. RMS Hospitality Group is selective: we seek operations with managed crowd control, documented staff training, and reasonable prior loss histories. If a submission isn't a fit, we will let you know quickly to avoid wasting your time.
Underwriting Notes and Minimums
Underwriting focuses on operations, hours of operation, alcohol service practices, security/staffing, and the venue’s entertainment schedule. Common considerations include:
Whether the venue serves alcohol and the extent of liquor exposure
Security protocols (bouncers, ID scanning, incident reporting)
Capacity and types of events (general admission vs. ticketed concerts)
Prior loss history and any ongoing litigation
Minimum premium: Varies by state and carrier. RMS Hospitality Group evaluates each account individually and will provide guidance on minimums and excess layering when you submit the account.
Territories and Availability
Most available states — RMS Hospitality Group places business in a wide set of jurisdictions. The program is available in the following territories:
AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY, DC
Capacity is provided through Various carriers. Placement may be admitted or non-admitted depending on state availability and the client’s risk profile.
Why Work with RMS Hospitality Group
Specialized hospitality underwriting and a program geared specifically to nightlife and entertainment risks.
Claims and investigation services focused on reducing frivolous or fraudulent claims.
Access to excess capacity up to $5,000,000 for larger exposures.
A pragmatic underwriting approach: quick feedback if an account is not eligible, and collaborative support to get submissions in proper form.
Example accounts that fit
You might have a downtown nightclub that hosts weekly live bands and DJs, uses licensed security staff, and operates a full bar — a good fit for primary liability with liquor and assault & battery options. Or a multi-room venue with separate dining and dance floor areas that needs products/completed operations plus excess limits for larger events.
If you’d like to learn more about how RMS Hospitality Group’s Nightclub Insurance program can place your clients, submit the details of your account and we’ll respond with next steps.
Frequently Asked Questions
What types of nightclub accounts are a good fit for this program?Venues with active alcohol service, live entertainment or DJs, established security protocols, and documented loss-prevention practices are ideal. Food-service operations inside entertainment venues also fit well when controls are in place.
What submission information does RMS Hospitality Group need?Provide a completed application, loss runs (typically 5 years if available), description of security and alcohol-service procedures, average attendance/capacity, and any contracts for entertainment or vendors.
Are assault & battery and liquor liability available?Yes. Assault & Battery is available up to $1,000,000 and Liquor Liability limits up to $1,000,000 are offered, subject to underwriting and state availability.
How quickly will I hear back on a submission, and how are claims handled?RMS Hospitality Group aims to provide quick feedback on eligibility and underwriting. The program emphasizes active claims management and investigation services to address and defend questionable claims early.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/monarch-es-insurance/bar--tavern-insurance/
At Monarch E&S Insurance, we specialize in placing coverage for establishments that serve alcohol. Our focused Bar and Tavern Insurance program helps agents and brokers place risks for bars, taverns, and restaurants that derive more than 30% of revenue from alcohol—even accounts with dance floors, live entertainment, or other elevated exposures.
Overview of the Program From Monarch E&S Insurance
Monarch E&S acts as a Managing General Agency and Excess & Surplus Lines broker, providing access to multiple non-admitted markets. This program is designed to offer flexible, competitive options when admitted carriers are not a fit because of the account’s risk profile, claims history, or unique operations. We accept submissions from agents and brokers writing business in Arizona, California, Hawaii, Nevada, and Texas.
Ideal Accounts and Appetite
This program works well for hospitality accounts with meaningful alcohol exposure, including:
Bars and taverns with alcohol sales exceeding 30%
Restaurants holding full liquor licenses
Venues with live music, DJs, or dance floors
Late-night operations and high-foot-traffic sports bars
Typical fits include sports bars that host events and restaurants with a nightclub-style atmosphere. Accounts with disciplined security, established age-verification procedures, and proactive loss controls are more likely to secure favorable terms.
Coverage Highlights and Advantages
Key features available through this program:
Primary General Liability limits up to $3,000,000 occurrence/aggregate
Excess or Umbrella Liability limits available up to $25,000,000
Assault and/or Battery coverage available, subject to sublimits
No production requirement — suitable for agents with occasional hospitality risks
Phone indications available for faster preliminary pricing
Underwriting Notes and Minimum Premiums
Underwriting focuses on controls that reduce liquor liability exposure: security staffing, door policies, training, incident reporting, and tenant/lease language where applicable. We look closely at past liquor- and violence-related claims, frequency of late-night incidents, and capacity limits.
Minimum premiums: $500 for monoline General Liability and $750 for package policies. Final pricing depends on exposure, location, limits, and loss history.
Territories and Availability
This non-admitted program is available in:
Arizona (AZ)
California (CA)
Hawaii (HI)
Nevada (NV)
Texas (TX)
Because this is an E&S solution, it is a good option when admitted carriers decline an account due to unique exposures or an adverse loss record.
Why Work With Monarch E&S Insurance?
Monarch E&S brings deep experience in excess & surplus markets and hospitality underwriting. As a wholesale partner, we provide access to multiple carrier appetites, quick turnarounds on submissions, and underwriting guidance tailored to bar and tavern exposures. Whether you’re placing a single high-risk tavern or managing a portfolio of nightlife businesses, our team supports you through placement and binding.
Contact us today for assistance placing Bar and Tavern accounts.
Need help placing an account? Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is best for bars, taverns, and restaurants where alcohol sales exceed 30% of revenue—especially those with live entertainment, dance floors, or late-night operations.
Is Assault and Battery coverage available?Yes. Assault and/or Battery coverage can be included, typically subject to sublimits. Availability and terms depend on the account’s exposures and controls.
What states is this program available in?The program is available in Arizona, California, Hawaii, Nevada, and Texas.
What are the minimum premiums?Minimum premiums are $500 for monoline General Liability and $750 for package policies. Final premium depends on limits, operations, and loss history.
Do you require a production commitment to access this program?No production requirement is needed. We accept single accounts as well as ongoing submissions from brokers with hospitality business.