Restaurants, Bars & Beverage Sector
Restaurants, bars and taverns, breweries, wineries and distilleries. The deepest single class on this site by carrier count, and the one where a single endorsement decides whether a carrier will look at you.
A kitchen fire closes you for weeks. An over-served patron can close you for good.
Liquor liability is not an add-on in this sector. It is the underwriting.
Landlords and health inspectors expect general liability, California requires workers' comp from the first hire, and wherever alcohol is served the state can hold the business responsible for harm caused by an over-served patron. Add fire, foodborne illness and slip-and-fall on a wet floor, and one incident closes the doors — unless the interruption cover was bought with extra expense on it.
Food & Beverage Coverage
Property, liquor liability, and the cover that pays while you are closed.
Bars, Taverns & Nightclubs
High-limit liquor liability and the assault-and-battery wording most GL forms exclude for this class.
Explore coverageBreweries, Wineries & Distilleries
Recall on the beverage, tank spoilage, taproom liquor liability, and self-distribution.
Explore coverageRestaurants
Hood-system fire, foodborne-illness closure, liquor, delivery drivers, and the interruption cover that reopens you.
Explore coverageHow we work
However you arrive at this page, the path from here is the same.
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Understand your risk
We start with how you actually operate — your assets, your people, and the exposures that come with them.
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Match it to the right carrier
We shop carriers whose appetite and specialization fit your risk, then lay the options out side by side.
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Stay with you
We stay on through renewals, mid-term changes, and claims — adjusting as things change and advocating when it counts.