Bar / Tavern - Package

All the Restaurant Classes within the ISO Commercial Lines manual are eligible provided that more than 50% of the risk’s gross receipts are derived from the sale of alcohol.  Risks generating less than 50% of their receipts from the sale of alcohol may be eligible for our Restaurant Product.  Liquor liability may be included on most risks.

Hit Zone:

h	Gross Receipts do not exceed $500,000
h	No dancing, shows or attractions; live music must be limited to solo guitar player or piano player
h	No bouncers, security or doormen
h	No major entertainment
h	No alcohol served after 2:00 AM
h	In business a minimum of three years
h	No losses/claims incurred in the past five years (Liability), three years (Property)
h	No cooking
h	No apartments
h	No building coverage
h	If building owner, no other operations in the building Property limits of $200,000 or less

Eligible Risks:

Includes all of the above characteristics except where amended below:

h	Gross Receipts do not exceed $3,000,000
h	Live entertainment to include dancing, DJ and bands subject to no pyrotechnic displays
h	Nightclubs and Gentlemen’s Clubs
h	New ventures
h	No more than two losses or claims (excluding closed without payment) incurred in the past five years (Liability), three years (Property)
h	Total insured values are under $750,000 – PC 1-8 and not in our defined coastal territory and not seasonal
h	Total Insured values are under $250,000 – PC 1-8 and in our defined coastal territory (wind exclusion will apply), not seasonal
h	Total insured values are under $250,000 – PC 9-10
h	Total insured values are under $200,000 if risk is seasonal
h	All cooking area have approved automatic extinguishing systems and smoke detectors when there are other occupancies in the owned building

Ineligible Risks:

h	Nightclubs with less than three years nightclub management experience
h	Risks with off-duty police officers, armed security guards or firearms on premise
h	Any mechanical riding devices, moon bounces, trampolines, rock walls, pyrotechnic displays or foam machines
h	Any account serving alcohol past the legally allowable time
h	Buildings that lack two means of egress from any floor (including basement) having public access
h	Bankruptcy by the applicant within the past five years
h	Any electrical system with aluminum wiring or knob and tube wiring and/or not connected to circuit breakers
h	Any risk without smoke or heat detectors in all public areas, and if applicant is building owner, in all habitational units
h	Any risks sponsoring “Teen” or “Under 21” nights, or permit patrons under age 21 in a bar area  after 10:00 PM
h	Plumbing not completely PVC or copper
h	Any prior felony conviction for arson
h	If there is another occupancy in building, risks that do not have all deep fat frying appliances protected per NFPA 96 (Automatic Extinguishing System)
h	Protection class 9-10 risks:

	-	Having annual sales <$150,000
	-	In business less than 4 years at insured location
	-	Having a change in ownership in the past 3 years

h	Risks with a smoker or barbeque pit within 20 ft. of any building (self-contained units such as Southern Pride are acceptable regardless of distance from building) or if located within the building
h	Any cooking equipment lacking an in-force cleaning contract

Product Advantages:

h	A.M. Best rated A++ carrier
h	Ability to add Liquor Liability in most states
h	Ability to add Assault and Battery to most risks (except Nevada if open after 4 AM or Texas)
h	Addition of Equipment Breakdown coverage that includes $25,000 food spoilage
h	No Liability Deductible
h	Offered only through the Professional Wholesaler
h	Inspection costs paid by the United States Liability Insurance Group

Required Application:

h	Our Current Bar/Tavern/Restaurant/Nightclub Application
h	Representation of incurred loss history for the past three (3) years

Free Coverages:

The following coverages are FREE for Bars/Taverns that meet our Hit Zone criteria and eligible for special form.  The following coverages are available for a premium charge of $250 for risks that do not meet our Hit Zone but are eligible:

 

Fire Department Service Charge	$2,500
Electronic Data	$25,000
Personal Effects and Property of Others	Up to Your Business Personal Property limit
Valuable Papers and Records-Cost of Research	$25,000
Property Off-Premise	$15,000
Outdoor Property	$10,000
Fire Extinguishing Equipment Recharge	$5,000
Arson Reward	$5,000
Accounts Receivable	$25,000
Fine Arts	$25,000
Employee Dishonesty	$5,000
Money and Securities	$5,000
Water Back Up at Sewer, Drain or Sump	$5,000
Signs	$10,000
Property In Transit	$10,000

 

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