Why Choose Us
Coverage measured to how you actually operate
Bar and restaurant owners choose us because we know hospitality from the inside: the alcohol mix, the late nights, the leases, and the claims that come with them.
- Google Rating
- 5.0
- AZ Restaurants Insured
- 600+
Six Reasons
What sets a hospitality specialist apart
Hospitality is all we do. Here is what that means for your coverage, your claims, and your bottom line.
Built by an operator
Founder David “DELO” DeLorenzo has owned 13 restaurants and has worked in hospitality for more than two decades, so we review your policy the way an owner would.
Hospitality only
Bars, restaurants, breweries, caterers, and hotel food and beverage operations are all we insure, so the exposures behind the bar never surprise us.
More carriers, powered by ALKEME
As part of the #16 largest US broker, per Insurance Journal, we can shop more carriers to fit coverage to your concept.
Arizona expertise
Dram shop law, Title 4 training, DLLC licensing, and lease requirements are part of every Arizona review we do.
Advocacy when claims hit
Our team includes a Chief Claims Officer, and we stand beside you with the carrier from first notice to resolution.
Education that keeps you ahead
A weekly podcast, a monthly industry update, and a book on hospitality risk, all built to help owners avoid claims before they happen.
Read what owners say about working with us
Read Testimonials →The Specialist Difference
Common coverage gaps, and how we close them
These are the gaps we see most often when we review policies written by agents outside hospitality.
26 years in business
How It Works
Four steps to coverage that fits
No long forms up front. We start simple and do the heavy lifting.
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Share the basics
Your contact information, legal business name, DBA, and when you want coverage to start.
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We learn your operation
License type, food and alcohol sales split, hours, entertainment, staffing, and your lease.
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We shop the carriers
We compare carriers that fit your concept and explain every exclusion and sublimit in plain language.
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We stay with you
Renewal reviews, certificates, policy changes, and claims advocacy for as long as you are in business.
Ready for a second opinion on your coverage?
Send us your current declarations pages and we will show you where your policy stands. Or call 480.776.6981 to talk it through.
- Dave makes securing business insurance a painless process. It’s like having a brother in the insurance business, as he is responsive, knowledgeable and trustworthy. You never feel as if you have to shop his proposals, as you know he has provided you with the best available option without pressure.
Why choose a hospitality insurance specialist?
Answers to what owners ask before they switch.
Why choose a hospitality insurance specialist over a general agent?
A specialist knows the exposures that generalist agents often miss, such as alcohol sales mix, assault and battery exclusions, late hours, entertainment, and lease requirements. That knowledge shapes how your policy is built and how your claims are handled.
What makes Bar & Restaurant Insurance different?
We insure only hospitality businesses, we were founded by an owner of 13 restaurants, and we have spent 26 years in the business. Today we insure 600+ Arizona restaurants and are powered by ALKEME, the #16 largest US broker per Insurance Journal.
Do you work with more than one insurance carrier?
Yes. As part of ALKEME, we have access to more carriers and compare the ones that fit your concept, from a single taproom to a multi-location group.
What affects the cost of bar and restaurant insurance?
Underwriters look at your license type, food and alcohol sales split, hours, entertainment, security, location, claims history, and the limits you carry. In our experience, staying at or below about 30% alcohol sales keeps you in the most favorable Arizona liquor liability markets.
How do you help when I have a claim?
Our team includes a Chief Claims Officer. We guide you through the claim, help you document what happened, and advocate for you with the carrier until it is resolved.
Can you review my current policy?
Yes. Send us your current declarations pages and we will review your limits, exclusions, and sublimits and point out any gaps before your next renewal.
Is switching insurance brokers difficult?
No. We gather the details, compare options, and coordinate the timing with your effective date so you can move forward without a gap in coverage.
How do I get started?
Request a free quote online or call 480.776.6981. We only need your contact information, legal business name, DBA, and desired effective date to start.