Restaurants & Bars Insurance

Coverage for Hospitality Risks That Don’t Fit the Standard Market

We help independent agents place restaurants, bars, taverns, nightclubs, and other hospitality risks that standard carriers often avoid. If your client serves alcohol, stays open late, offers live music, or has a checkered claims history — our surplus lines markets may be the answer.



This program is designed for food & beverage operations with liquor exposure, assault & battery concerns, or a higher-than-average risk profile.

What We Write

  • Bars, taverns & pubs


  • Full-service restaurants


  • Late-night venues


  • Nightclubs & lounges (selective appetite)


  • Sports bars & music venues


  • Establishments with live entertainment


  • Restaurants with prior claims or coverage gaps



  • Start-ups & new ventures
A group of people are sitting at a table drinking coffee.

Coverages Available

General Liability

Premises & operations liability, including slip-and-fall exposures

Liquor Liability

Required for establishments that sell or serve alcohol

Assault & Battery

Essential for venues with bouncers, large crowds, or nightlife

Property Coverage

Buildings, contents, equipment, and loss of business income

Excess Liability

For businesses that need higher limits or umbrella coverage

Special Events & Temporary Endorsements

Available for on-premises events

When to Use

Our Program

  • Liquor receipts exceed 30% (or even 50%)


  • Late hours, live music, dancing, or security staff


  • Prior liquor liability claims or A&B losses


  • Owners with limited or no prior experience



  • Denied or non-renewed by an admitted market


If the account’s been turned down by standard carriers — we may still have a home for it.

An artist 's impression of a restaurant with tables and chairs.

Regional Insight

Hospitality risks in Tennessee, Kentucky, Mississippi & Arkansas often come with unique challenges: liquor law variations, entertainment exposures, or limited local capacity. Whether your client runs a bar in Nashville, a BBQ joint in Memphis, or a pub in Little Rock, we know the underwriting issues and how to work through them.

FAQs

  • Do you offer liquor liability as standalone coverage?

    No. Our markets write liquor liability as part of a package or supported monoline, not as a standalone policy. General liability must be written alongside it.

  • Can you help with high liquor receipts?

    Yes. Many of our markets are comfortable with 50%+ liquor sales, provided operations are well-managed and security is in place.

  • What information do you need to quote?

    Send us a completed app, liquor receipts breakdown, any prior loss runs, and a brief description of the operation. We’ll review and respond quickly — often same or next business day.

Let’s Quote It

Have a bar, tavern, or restaurant you’re struggling to place?


Call  (865) 909-0181 or email jacki@sgatn.com to submit your risk.



We’ll get it in front of the right underwriter fast.