Restaurant and Bar Insurance Coverage
Bar & Restaurant Insurance places every major policy a hospitality business needs, built by hospitality specialists.
Coverage Options
Hospitality insurance coverage for bars and restaurants
Explore each policy we place for bars, restaurants, breweries, and other hospitality businesses, and see how they work together to protect your venue, your people, and your income.
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Liability
Liquor Liability & Dram Shop
Protection when a guest who was served at your venue causes injury or damage, including dram shop claims.
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Liability
General Liability
Guest injuries, property damage, and foodborne illness claims.
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Liability
Assault & Battery
Fights, altercations, and security incidents that other policies often exclude.
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Liability
Umbrella & Excess Liability
Extra limits above your underlying policies when a claim runs large.
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Property
Property & Business Income
Your space, equipment, and income when damage forces a closure.
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Property
Spoilage & Equipment Breakdown
Lost inventory and broken equipment when coolers, power, or machinery fail.
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People
Workers' Compensation
Medical costs and lost wages when employees are hurt on the job.
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People
Employment Practices Liability
Harassment, discrimination, and wrongful termination claims from staff.
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Vehicles
Commercial Auto
Vehicles used for deliveries, catering, supply runs, and events.
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Technology
Cyber Liability
Data breaches, ransomware, and payment fraud that hit POS and ordering systems.
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Package
Business Owner's Policy
Property, liability, and business income bundled for smaller venues.
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The track record behind every placement
Bar & Restaurant Insurance brings hospitality-only experience to every quote, renewal, and claim.
- Google Rating
- Arizona Restaurants Insured
- Years in Business
- Hospitality Insurance Brokerage in Arizona
Protect the people who keep hospitality running
We specialize in hospitality, understand how restaurants and bars actually operate, and place coverage around real hours, alcohol sales, staff, entertainment, property, and security practices, not a generic package.
No hospitality owner should face a claim underinsured
That starts with accurate underwriting, plain-language policy review, and renewal work before a loss. We flag exclusions, sublimits, and gaps while there is still time to address them.
- Hospitality Is All We Do Restaurants, bars, breweries, nightclubs, caterers, and multi-location groups are the work we do every day.
- Coverage Built Around Operations We document alcohol mix, hours, entertainment, staffing, property, and security so placement reflects how the venue actually runs.
- Advocates When Claims Happen When a claim comes in, we help document the incident, challenge unclear positions, and stay in the operator's corner.
- Reviewed Every Renewal We review operations, exclusions, endorsements, limits, and carrier fit before each renewal.
Restaurant and bar insurance FAQs
Straight answers to the coverage and quote questions hospitality operators ask most.
What insurance does a restaurant need?
Most restaurants should evaluate general liability insurance, property and business income coverage, and workers' compensation. If alcohol is served, add liquor liability, then review spoilage and equipment breakdown, cyber liability, commercial auto, and employment practices liability based on the operation. Policy terms, exclusions, and state requirements decide what applies.
What insurance does a bar need?
A bar usually needs general liability, liquor liability, property and business income coverage, and workers' compensation. Late hours, dancing, DJs, security, or a high alcohol-sales mix can make assault and battery coverage and umbrella and excess liability especially important. Review the exact exclusions, endorsements, and sublimits before binding.
Is liquor liability insurance required for a bar?
Requirements vary by state, local rules, and the conditions attached to the liquor license. A landlord, lender, event contract, or vendor may also require liquor liability insurance even when state law does not set the same requirement. Check the license and jurisdiction, then review limits and exclusions before opening.
How do general liability, liquor liability, and umbrella insurance work together?
General liability addresses third-party injury and property damage, while liquor liability addresses alcohol-related claims. Umbrella and excess liability can add limits above scheduled underlying policies, but it does not automatically fill exclusions or sublimits. Review the policies together so coverage boundaries and gaps are clear.
What affects the cost of restaurant and bar insurance?
Pricing is shaped by venue type, revenue, alcohol-sales percentage, payroll, location, closing time, live entertainment, dancing, security practices, property values, claims history, and requested limits. Carrier fit, deductibles, exclusions, endorsements, and sublimits also affect the quote. Accurate operational details help underwriters price the business they are actually insuring.
What information do I need for a hospitality insurance quote?
Prepare revenue, food and alcohol sales split, payroll, hours, closing time, entertainment details, security procedures, claims history, property values, and current policy documents. Include every location, vehicle, service, and off-site exposure such as catering or delivery. Complete information helps the specialist compare terms without guessing at your operations.