Bar, Tavern & Restaurant Insurance Quote

100% Liquor? No Problem.

Commercial insurance built for bars, taverns, and restaurants — without the sales reports and audits.

✓ Covers up to 100% liquor sales

✓ Rated by square footage, not sales

✓ No audits, ever

✓ We shop multiple carriers so you don't have to!

One quick form. Multiple carrier quotes. Your best rate.

Bar, Tavern & Restaurant Insurance Quote

Business Information

Applicant Name: Business Name: Business Address:

City:

State:

Zip:

Type of Organization: *

Corporation LLC Individual

Business Phone: Premises website (include https://): Contact Email Address:

Premises & Property

Requested Effective Date: 1. Are you currently open or will be within 60 days?

Please provide details regarding the insured's plans to be open for business:

2. 3+ years of restaurant/bar ownership/management in past 5 years?

Please describe that experience:

3. Business Personal Property in $ (movable items owned, equipment, inventory, furniture): 4. Square footage: 5. Construction Type:

Frame Joist Masonry Masonry

Do you own the building and would you like a quote for the building?

6. Year Built:

7. Number of Floors:

8. Automatic Sprinkler:

9. Number of employees:

Operations

10. Business closing time:

11. Is this a fine dining restaurant?

12. Does the insured offer counter service? 13. Does the insured manufacture alcohol?

Is >25% consumed on premises?

14. Annual Receipts: (food + alcohol; totals feed ACORD gross revenue) 15. What is the level of cooking on premises?

Full cooking - Cooking equipment that can produce grease laden vapors such as deep fryers, grills, flat tops, char-broilers, etc. Limited cooking - Cooking equipment that does not produce grease laden vapors such as ovens, microwaves, sous vides, panini presses, etc. No cooking

16. Cannabis infusion? 17. Do you have a non-gas Smoker/Grill (wood, pellets, etc) structure within 10 feet of the Building?

Is the equipment Professionally installed? Is it regularly maintained?

Cleaned and Scraped weekly Vent or Exhaust system inspected and cleaned monthly Ashes Removed Daily

Other than the days supply, Do you store Wood, Pellets, etc more than 10 feet away from device? Do you have a Hood System and a UL 300 extinguishing system in place? Do you have a Class K or 2A fire extinguisher with 20 feet of each device?

18. Any cooking surfaces not protected by a UL300 fire suppression? 19. Any other entertainment besides: Karaoke or Trivia?

Describe the entertainment:

20. Other activities besides, darts, bag toss, pool tables (5 or less), horseshoes, volleyball?

Describe the activities:

21. Security or bouncers?

Are background checks performed on bouncers and security personnel? Are the bouncers and security personnel armed? Are the bouncers and security personnel trained in conflict resolution?

22. Do you Deliver (not including UberEats, DoorDash, etc)?

Are insured owned autos used for delivery? Are employee owned autos used for delivery? Are third party delivery services used for delivery? Delivery Sales Completed Using Insured Owned or Employee Owned Autos: Do the delivery sales at any one location exceed 20% of the total sales from its/their respective location(s)?

Please explain:

Is the delivery radius greater than 5 miles?

Please explain:

Do the delivery hours extend past 10 PM?

Please explain:

23. Does the insured's business provide shuttle services?

If Yes, please explain:

Are there any additional auto policies in force that would provide coverage for the named insured(s)?

Coverages

24. Do you have any liquor law violations?

Please provide the number of violations and a description of each violation:

How many total claims in the last 3 years?

Please describe the claim and include the date and amount paid:

Would you like a Workers Comp Quote?

Bar/Tavern Restaurant

# of Employee FT:

# of Employee PT:

Est Annual Payroll:

Do you have any Additional Insureds?

Loss Payee Lienholder Mortgagee Additional Insured

Name: Address:

City:

State:

Zip:

Do you have additional Names?

Loss Payee Lienholder Mortgagee Additional Insured

Name: Address:

City:

State:

Zip:

Payment Plan:

Monthly Annual