Bars & nightclubs
Bars, taverns, and nightclubs whose primary revenue is alcohol service.
The exposure
Alcohol service drives assault-and-battery and over-service (dram shop) claims on top of standard slip-and-fall and property risk. Liquor liability is the defining exposure and is excluded from GL.
Coverages this class usually needs
National benchmark premiums
Rated on: Annual revenue (alcohol sales share)
Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.
Sources: Insureon (Liquor Liability cost); Agency Height; TechInsurance.
Where this risk gets hard to place
Bars and nightclubs are frequently E&S: assault/battery, dram shop severity, late-night and entertainment exposure, and adverse loss history commonly exceed admitted appetite.
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