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