Bars & Restaurants

With premiums starting at $500, we offer coverage for several dining classes, including the option to include liquor liability.
wine glasses on bar

Why Use Amwins Access For Your Bar & Restaurant Risks?

  • Ability to include Liquor Liability on select risks
  • Available limits up to $2m/4m + Umbrella or Excess placement
  • Minimum premium starting at $500



  • Fast Food
  • Family Dining
  • Fine Dining
  • Bars/Taverns, Sports Bars
  • Pizza Parlors
  • Delis and Coffee Shops
  • Full Service
  • Quick Service
  • Bagel Shops
  • Juice Bars
  • Ice Cream Shops
  • Nightclubs, including Adult Entertainment



  • Property
  • General Liability
  • Liquor Liability
  • HNOA
  • Equipment Breakdown
  • Spoilage
  • Limits
    • Max TIV with Wind Included $5M (Higher Limits Available Excluding Wind)
    • Liability limits up to $2M per occurrence, $4M aggregate
    • In-House Authority for Excess up to $10M (Higher Limits Available)
  • Large Amounts of Coastal Capacity Available
  • Can Consider Mixed Occupancy
  • Packages Available
  • Coverage Can Include the Following:
    • Assault and Battery
    • Liquor Liability
  • Numerous Enhancements Available


Submission Requirements

  • Bar/Restaurant Supplemental Liquor Liability Application
  • Completed industry standard applications
  • Five years currently valued loss runs
  • Will consider new ventures