We offer monoline or package coverage including Liquor Liability for restaurants, bars, gentlemen’s clubs and night clubs. Operations with major entertainment as well as new ventures are eligible.

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Ineligible Bar and Restaurants

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Please note we cannot offer coverage to the following:

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• Risks that permit or use wood stoves, space heaters or temporary heating devices

• Risks located in protection classes 9-10 are not eligible for property

• Rooming or boarding houses

• Risks with any swimming pools on premises

• Risks with student or subsidized residents

• Property coverage for mobile homes

• Risks located in AK, LA or WV

• Property coverage in FL (unavailable with this product)

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Available Coverage for Bar and Restaurants

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• Property up to $1,500,000 per location in protection class 1-8, up to $250,000 per location in protection class 9-10 or up to  $500,000 in coastal regions excluding wind and hail

• General liability limits up to $1,000,000 /2,000,000

• Liquor liability up to $1,000,000/$2,000,000 (Except in AL, IL, MS, OR and RI)

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Optional Coverage for Bar and Restaurants

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• Money and securities

• Glass

• Valuable papers coverage

• Account receivables coverage

• Signs coverage

• Employee dishonesty coverage

• Stop gap liability (OH, ND, WA, WY)

• Equipment breakdown coverage, includes food spoilage

• Value-plus endorsement is available - 15 valuable coverage enhancements,                                                                                                                        including water backup, sign coverage and more

  

 

Claim Example for Bar and Restaurants

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Fire: A local bar was operating out of the insured’s one story frame building. The bar rented two outdoor heating units for their outdoor beer garden. A fight broke out between three patrons and one of the heating units was knocked over. The heating unit fell onto some flammable party decorations and started a small fire. The fire spread to the ceiling of the open- air beer garden and caused extensive damage. The beer garden was closed for the remainder of the season and the roof was repaired at a cost of $15,000.

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Wind: A bar owner was running his business out of a newly renovated building, which he owned. A severe windstorm went through the area and tore part of the roof off of the building. The ensuing rain from the storm caused water damage to the flooring of the first story of the building. The insured had to purchase plastic tarps for the roof to prevent further damage from the elements. It took two weeks before a roofing contractor could start repairing the roof. Damages as a result of the storm were $18,000 to repair the roof and floor, $500 for the tarps and $16,000 in business interruption for the month when the bar had to close while repairs were being completed.

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Vandalism: A bar owner ran her business out of a building she owned. One weekend night, vandals climbed onto the roof of the building and used a sledgehammer to damage the heating and air-conditioning unit. Damage was also done to the roof of the building where the heating and air conditioning units were located. Later that week the local police apprehended a patron of the bar who was responsible for the vandalism.

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Lightning: The insured owns a newly completed bar that had been open for two weeks. One night, severe thunderstorms came through the area. During the storm, lightning hit the building and traveled through the electrical system. A large portion of the electrical system had to be replaced along with some phone equipment and three cash registers. The incident caused over $16,000 in property damage.

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Water: The insured ran a small bar/restaurant in a building he had purchased a few years ago. A heavy rainstorm with strong winds passed through the area. During the storm, a large tree branch with leaves fell onto the roof of the building.The leaves and branches clogged the gutter and drain on the roof causing water to enter the insured’s bar/ restaurant. The water damaged all the ceiling tiles inside the building. The damaged tiles cost $4,500 to replace.

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You must be an appointed USASIA Insurance Services retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with USASIA. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your USASIA representative.