Follow Us:

Restaurants & Bars

Home Products Restaurants & Bars

Restaurants, Bars, Liquor Liability

Eligible Risks Can Include:

  • New Ventures
  • Fine Dining
  • Country Clubs
  • Diners
  • Fast Food
  • Franchise Operations

  • Dancing
  • Entertainment
  • Bouncers
  • Nightclubs
  • Prior claims and/or violations

Restaurant Product Advantages

  • Expense outside the limit
  • Coverage available for bodily injury and property damage
  • Assault or battery coverage for most restaurants
  • Fifteen percent liquor liability credit available for responsible establishments with a formal third-party server awareness training program
  • Fifteen percent liquor liability credit available for establishments that close by midnight
  • Five percent liquor liability credit available for establishments that utilize an electronic ID scanner
  • Consideration of risks with one prior claim in the past three years for property or general liability

  • Consideration of risks with one prior claim in the past five years for liquor liability in many states
  • Can consider risks with prior liquor violations
  • Excess general liability or umbrella up to $5,000,000
  • Hired and non-owned auto liability up to $1,000,000 (equal to the general liability occurrence limit; not available in AZ, GA, IL, MS, VT or WI)
  • New ventures are eligible
  • Bouncers, security or doorpersons are eligible
  • Alcohol receipts up to 50 percent
  • Equipment breakdown coverage (automatically includes a $250,000 food spoilage sublimit)
  • Crime coverage is available

Need Help?

Contact Us anytime between 8 am and 4:45 pm.

newbusiness@gotosra.com
(877) 587-2886

Quick Contact

Quick Contact

Disclaimer: Website for informational purposes only. Coverage and policy enhancements vary per carrier and product. Risk eligibility varies per carrier. Please consult actual policy forms and endorsements for specific coverage information.