Insurance for bars, pubs and breweries
Sports bars, taverns, breweries and restaurant-bar groups where the bar is the business. Liquor liability done right, assault and battery covered, and a carrier that understands late hours.
Liquor liability is the main event
A full bar licence is underwritten differently
No food requirement, a higher liquor share of sales and later hours. Carriers price on all three, and the wrong form leaves gaps.
Assault and battery is the gap
Most bar policies cap assault and battery at a small Sublimit or exclude it, and many add a firearms exclusion. We get the limits that match your doors.
Breweries add production
Brewing equipment, product liability for what you sell to go, and a taproom that runs like a bar.
Coverage that matters for bars
Hover over or tap any line for a plain-English definition.
What we check in a bar's program
- The assault and battery limit, and whether it's shared with the main limit
- A firearms exclusion or weapons exclusion
- Liquor liability limits against your lease and licence
- Security and bouncer contracts, and their own insurance
- Hours of operation and entertainment conditions that can void coverage
- Spoilage for draft and food
- Product liability for anything sold to go
- Whether the Umbrella and excess sits over liquor as well as general liability
How a program review works
Analyze
A 20-minute call about how your business runs, then your policies and loss runs. We read every form and exclusion across your locations and benchmark what you pay.
Plan
A plain-English summary of what's covered, what isn't, and what we'd change, with a renewal plan that starts 120 days before your dates.
Deliver
We take your program to carriers that want hospitality business, line up your policy dates, and stay with you through claims and the next renewal.
Find out what your current program is missing
A full review of your current insurance program, benchmarked against similar Florida hospitality groups. No cost and no obligation.
Joey Anderton, Hospitality Insurance Advisor · 305-518-1208 · joey.anderton@usihp.com
Bar owners ask us
Our last broker said assault and battery wasn't available.
It usually is, at a price. The specialty market writes it with full or meaningful limits when the submission shows your security plan, hours and claims history clearly. That's our job.
Do you insure breweries?
Yes. Brewing equipment, product liability for packaged beer and a taproom that runs like a bar all fit in one program.
We have live music and events.
Tell us before the policy is written, not after a claim. Entertainment and event conditions sit in the forms, and the right carrier prices them in.