Risk Eligibility

  • Bar and Restaurants with alcohol sales greater than 50%
  • Less than 50 percent in alcohol sales* or has table service**
  • Nightclubs, Gentlemen’s Clubs, Accounts with dancing and entertainment, New ventures are eligible
  • Contents only coverage available
  • Loss of Income coverage including Loss of Rents
  • $1,000 minimum deductible
  • Replacement Cost Valuation available
  • Value Plus Endorsement available – 15 valuable coverage enhancements including; Water
  • Back-up, Money &Securities, Employee Dishonesty, Signs, EDP, Transit and more
  • Additional Equipment Breakdown coverage includes food spoilage
  • Improvements and Betterments coverage available

**Applicants without table service, please see our Fast Food Product Underwriting Guide

Contact an Underwriter at 877-742-9875

SUBJECT TO UNDERWRITING REVIEW

      • Features live entertainment
      • Employs bouncers, security or door persons
      • Up to one loss or claim per coverage line incurred in the past three years

AVAILABLE LIMITS

      • Property values up to:
            • $750,000 in protection classes 1-8
            • $250,000 in protection classes 9-10
            • Up to $500,000 in coastal zones (excluding wind and hail coverage)
      • General liability up to $1,000,000 occurrence/$2,000,000 aggregate
      • Liquor liability up to $1,000,000 occurrence/$2,000,000 aggregate
            • Assault & battery either included or available as a buy-back option
      • Excess general liability or umbrella up to $5,000,000
      • Hired and non-owned auto liability up to $1,000,000 (equal to the general liability occurrence limit, not available in AZ, GA, IL, MS, VT or WI)

MOST COMMON INELIGIBLE RISK CHARACTERISTICS

      • Oxygen bars or hookah lounges
      • Not situated on a vessel
      • Hosts “Teen” or “Under 21” nights
      • Does not have two exits
      • Grantor of franchises
      • Alcohol served outside of our allowable time frame
      • Located in AK, LA or WV

NOTE: Ineligible risk characteristics include, but are not limited to those listed above.

CONTACT AN UNDERWRITER FOR MORE INFORMATION AT 877-742-9875 OR CLICK HERE TO FILE A SUBMISSION