Raise the Bar on Protection — Comprehensive Insurance for Bars, Clubs, and Taverns.

Specialized Coverage for Your Nightlife Business — Protecting Bars, Clubs, and Taverns from Unique Risks

Bar, club, and tavern insurance is a specialized coverage that protects nightlife establishments from unique risks such as liquor liability, property damage, and accidents on premises. This insurance is essential because these businesses operate in environments where alcohol consumption increases the potential for incidents, which could lead to costly lawsuits or claims. Having comprehensive coverage ensures owners can focus on providing a safe and enjoyable atmosphere for their patrons without the worry of unexpected financial losses.

Comprehensive Excess & Surplus Lines Coverage for Businesses Centered on On-Premise Alcohol Consumption

More than any other company, we understand the needs and exposures associated with operating a bar or club—and we’re better prepared than other companies to offer Excess & Surplus lines coverage for businesses centered on on-premise alcohol consumption. We provide a full range of coverages within one program, and we can design a plan tailored to the unique needs of your business.


Eligible classes of business include:

  • Neighborhood bars, pubs and taverns
  • Wine bars
  • Cocktail lounges
  • Comedy clubs
  • Nightclubs and discotheques
  • Restaurants with high-percentage alcohol sales
  • Fraternal Organizations


Acceptable exposures include:

  • 100% alcohol sales
  • Dancing
  • Live entertainment
  • Incidental gambling
  • Ladies night
  • Temporary serving locations
  • Bottle Service


Coverages Include:

  • General Liability
  • Liquor Liability
  • Assault & Battery
  • Damage to Premises Rented to You
  • Real Property
  • Business Personal Property
  • Business Income & Extra Expense
  • Equipment Breakdown Coverage


Approved States:

AR, AZ, CA, CO, CT, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, WA, WI, WY


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