Restaurant and Bar Program
Overview
Liquor liability coverage is a unique exposure to underwrite and manage. Even the best run hospitality operations have losses and may face cancellation or non-renewal. The Insential exclusive liquor liability program provides premium and limit and underwriting flexibility with minimum policy form restrictions so it is applicable to a broad range of classes and sizes of risk. We'll even consider start-ups.
Classes
Alcohol Manufacturers
Bars/Taverns
Banquet Halls
Bowling Centers
Casinos/Gaming
Caterers Off Premises
Comedy Clubs
Concession Stands
Country Clubs/Golf Courses with Club Houses/Restaurants
Hotels/Motels/Lodges/Inns
Karaoke/Hostess Bars
Liquor/Convenience/Package Stores
Nightclubs
Pool/Billiard Halls
Private/Social/Fraternal Clubs
Restaurants
Special Events (liquor liability only)
Wineries
Wholesale Distributors (liquor liability only)
Other classes may be available.
Contact us for more information.
Coverages
Assault and Battery up to policy limit
General liability
Liquor liability
Some coverages available on a monoline basis
Submission Requirements:
Acord 125 and 126
Liquor Supplemental Application
Target Premium
3-5 years currently valued GL and/or liquor liability loss history
Territories
All states except Delaware.
Other territories may be available on a limited basis. Call our brokers for details.
Programs