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HOSPITALITY

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Family/Fine Dining Restaurant Program

The typical program structure is designed for family and fine dinning restaurants.

  • Property coverage available in broad, basic, or special form.

  • Liquor Liability Coverage

  • Property coverage includes, building contents, business income, equipment breakdown, outside signs, computer equipment, food spoilage, crime, and more

  • General Liability coverage rated in seating capacity/revenues includes assault and battery, garage keepers and more

Exceptions

  • Restaurants with liquor receipts greater than 50% 

  • Bars/Taverns, Bottle clubs, nightclubs or private clubs (risks are eligble for our bar/tavern program)  

  • Risks with playgrounds or playrooms 

  • Pool halls or billiard parlors 

  • Most fast-food establishments

 

                                                                            

Exceptions

  • Adult Entertainment

  • Bottle clubs, nightclubs or private clubs 

  • Pool halls or billiard parlors

 

                                                                            

Bar & Tavern Program

The typical program structure is designed for bar/taverns with up to 70% total liquor sales.

  • Property coverage available in broad, basic, or special form.

  • Liquor Liability Coverage

  • Property coverage includes, building contents, business income, equipment breakdown, outside signs, computer equipment, food spoilage, crime, and more

  • General Liability coverage rated in seating capacity/revenues includes assault and battery, garage keepers and more

Eligible Classes

  • Taverns, Local Bars, Sports Bars, Pubs

  • 50% to 70% liquor sales

  • Light entertainment no more than 3 nights a week

Liquor Liability Coverage

Monoline Liquor Liability for establishments that sell or serve alcoholic beverages, offering protection for covered claims of negligent sale or service.

  • Liquor Liability - limits up to $1MM/$2MM

  • No sublimit on Assault & Battery ($100,000/$300,000 sublimit on adult clubs only)

  • No cap on alcohol sales

  • Defense cost outside the limit

  • Risks with security and major entertainment acceptable

  • Liquor License Holder included as Additional Insured automatically

  • Coverage available for both licensed and unlicensed operations

                                                                            

Hotel/Motel Coverage

The typical program structure is designed for short term lodging hotels primarily for business traveler.

  • Property coverage includes building and business income with wind, ordinance & law, equipment breakdown

  • General Liability coverage includes liquor liability

  • Innkeepers Legal Liability 

  • Hired & Non-Owned Auto

  • Employee Benefits Liability

  • Umbrella/Excess

Entertainment Program

Specialized program for nightclubs, bars, live music clubs, piano bars, comedy clubs, adult entertainment clubs and live music venues.

  • General Liability

  • Liquor Liability Coverage

  • Assault & Battery

  • Products & Completed Operations

  • Excess Liability up to $5,000,000,000

Target Classes

  • Taverns, Local Bars, Sports Bars, Pubs, Lounges

  • Nightclubs & Adult Entertainment

  • Live Music Venues

  • Comedy Clubs

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