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Insurance Products

The product pages provide a brief overview of the many different types of accounts we can help you place.  Select a product from the left to learn more about it.  If you have questions regarding a particular risk or program, please feel free to call us at (800) 648-0357 and we will be glad to help.

Bars / Taverns

This product is designed for bars and taverns where liquor sales are 30% or more of the total operation. (For operations where liquor sales are less than 30%, see Restaurant Product).

Coverages
Guidelines
Applications
  • General Liability

    • Primary limits up to $1,000,000 / $2,000,000 Occurrence/Aggregate
    • Assault and/or battery coverage available
    • Medical payments $5,000 limit

    Property

    • Basic, Broad or Special Form
    • RC or ACV
    • Building
    • BPP
    • Business Income
    • Signs
    • Food spoilage
    • Enhancement endorsement available

    Liquor Liability

    • Primary limits up to $1,000,000 occurrence
    • Assault and/or battery coverage available

    Inland Marine

    • Equipment breakdown
  • Underwriting

    Important underwriting points are the nature of the establishment, customer base, entertainment, management experience and loss experience. Risks must be able to demonstrate good experience, sound management and have implemented appropriate safety measures.

    If there is cooking, an automatic fire extinguishing chemical system covering all cooking surfaces is required. Cooking surfaces are defined as stove tops, grills and fryers.

    Prohibited

    • Risks who utilize armed security
    • Rap or hard rock performers
    • Risks with mechanical amusement devices
    • Teen dance clubs
    • Bring your own bottle establishments
    • Catering risks that furnish alcohol
    • Liquor manufacturers as additional insured

    Available In

    • Indiana
    • Michigan
    • Ohio
    • West Virginia
  • Bar, restaurant, tavern application
    Liquor Liability Application