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.