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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.

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.

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