Restaurants, Bars and Taverns (General Liability, Property and Package)

Overview

Coverages

Markets

Considered Risks

Available Classes

Ineligible Risks

Watch a Demonstration

Additional Resources

Common FAQs

Related Articles

Pathpoint allows insurance agents to mix and match general liability and property coverages to provide competitive packages for bar, restaurant, and tavern risks.

• General liability up to $2M/$2M

• Property limits up to $5M TIV per location/$5.6 M per policy

• Property up to $10M TIV in AL. GA, FL, LA, MS, SC, and TX

• Hired & non-owned auto

  • if the risk has no delivery, valet parking, and are not food trucks

• Equipment breakdown and spoilage

• Business interruption

• Outside sign coverage

• Crum & Forster

• Navigators

• Westchester

• Vave

• Velocity

• Baleen Specialty

• Risks with commercial cooking equipment, as long as they have a UL300 compliant wet ANSUL fire extinguishing system in place over all commercial cooking equipment

• Risks with cooking equipment that has a semi-annual cleaning contract in place

• Coverage in all states except for AK and HI

• Risks with BBQ pits or smokers (provided they're more than 100 ft from the premises)

• Can write risks with cooking at the table (as long as patrons are not cooking)

• Fast food

Pathpoint markets have an appetite for the following restaurant classes:

• Armed services on premises

• Bottle service

• CBD infused beverages

• Establishments with drinking contests or patron competitions

• Gentleman’s clubs, exotic dancing, night clubs or strip clubs

• Oxygen bars or serving non-liquid alcohol

• Opened past state minimum closing times

Appetite Guide

Mix & Match Menu

When to Come to Pathpoint: Restaurants

Restaurant Coverage Postcard for Agents

Restaurant Coverage Postcard for Agents (Southern States)

• Download and utilize as provided or personalize it with your agency details and logo using any graphic design software, PDF editor, or Word document. Just fill in your information in the designated blue boxes

Do you accept new ventures?

• Yes, we can consider the risk as long as the insured has had three years of management experience in the food service/restaurant industry.

Do you offer liquor liability coverage for bars, restaurants, and taverns?

• We do not offer liquor liability at this time.

What is a hold harmless agreement?

• A hold harmless agreement is a legal contract between two parties where one party agrees not to hold the other party liable for any damages, losses, or liabilities that may arise from a particular activity, transaction, or situation. These agreements are also common in construction contracts, leases, and other business transactions where there's a potential for accidents or other unforeseen circumstances. They help protect one party from being held legally responsible for damages or injuries that may occur during the course of the agreed-upon activity.

What type of bar or tavern exposures lead to a declination?

• Declined exposures include, but are not restricted to: nightclubs, gentleman's clubs, discotheques, lounges, cabarets (including host/hostess bars), exotic dancing or strip clubs, and other comparable venues. Additionally, activities such as riding mechanical bulls, participating in wet t-shirt contests or mud wrestling, engaging in tough man competitions, entering mosh pits, stage diving, body surfing, or utilizing playrooms and playgrounds are also excluded. Furthermore, drinking contests, 'rage in the cage' events, pub/bar crawls or tours, pub cabs/cycle pubs, viewing pyrotechnics or fireworks, and employing specialty lighting or special effects fall within the scope of declined exposures.

Can I mix and match coverages from different carriers?

Does Pathpoint offer liquor liability for restaurants?

Do you require liquor liability already in place for restaurant, bar, or tavern quotes?

How do I classify bar, restaurant, and tavern accounts?

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