Liquor liability
Liquor liability for claims arising from the sale, service, or furnishing of alcoholic beverages, with occurrence-form options.
Bars, Taverns & Nightclubs Insurance
Commercial Liquor Liability Solutions
Bars, Taverns, & Nightclubs
Greenwood General gives retail agents and brokers wholesale market access to Liquor Liability and General Liability markets built for alcohol-serving venues, entertainment exposures, late-closing operations, new ventures, and harder-to-place accounts, subject to underwriting.
Hospitality Insurance Program
Wholesale insurance for alcohol-serving venues
As a wholesale MGA, Greenwood General gives retail insurance agents and commercial brokers access to markets for bars, taverns, nightclubs, lounges, and similar hospitality risks. Select carriers will consider new ventures, late closing, live entertainment, happy hour, adverse loss history, and venues with up to 100% alcohol sales. Coverage centers on liquor liability and commercial general liability, with occurrence-form options for eligible accounts. Explore all of our wholesale commercial insurance markets.
Target hospitality classes
- Bars and taverns
- Nightclubs and dance clubs
- Lounges and cocktail bars
- Karaoke bars
- Live entertainment venues
- Late-night hospitality risks
Available Coverages
Coverage options for bars and nightlife risks
Structure coverage around the venue's alcohol receipts, entertainment, operating hours, security plan, and contractual requirements.
General liability
Commercial general liability for slips, falls, property damage, and common premises and operations exposures.
Assault & battery
Assault & Battery coverage may be available up to $250,000/$300,000 limits, subject to venue controls and underwriting.
Excess liability
Excess liability limits may be available over qualifying underlying liability placements.
Program Highlights
Markets built for harder-to-place hospitality accounts
Select carriers are willing to consider common nightlife characteristics that frequently create difficulty in the standard market, subject to underwriting.
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01
New ventures considered
Start-up bars, taverns, lounges, and nightclubs may be eligible with a complete business plan and operating details.
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02
Late closing and happy hour accepted
Extended hours and promotional alcohol service may be considered with appropriate controls.
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03
Entertainment exposures considered
DJs, dancing, karaoke, live music, and similar entertainment may be eligible.
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04
Adverse loss history reviewed
Prior claims do not automatically disqualify an account when complete loss details and corrective actions are provided.
Eligible Operations
Risks with liquor exposure we can consider
Final eligibility depends on operations, alcohol concentration, venue controls, security, entertainment, closing time, and loss history — subject to underwriting.
Bars and taverns
- Neighborhood bars
- Taverns and pubs
- Cocktail bars
- Sports bars
- Wine bars
- Late-closing bars
Nightlife and entertainment
- Nightclubs
- Dance clubs
- Karaoke bars
- Live music venues
- DJ entertainment
- Happy-hour operations
Specialty hospitality
- Lounges
- Hookah lounges
- Private clubs
- Temporary liquor licensees
- Alcohol-focused special events
- Other nightlife risks
Underwriting Considerations
What underwriting reviews on a bar submission
Clear operating details help underwriting evaluate the account and identify the best available market faster.
01Annual alcohol and food receipts
02Hours of operation and closing time
03Entertainment, dancing, and cover charges
04Security guards and written security plan
05Prior losses and corrective actions
06Capacity and square footage
07Employee alcohol-service training and ID verification
08Requested Assault & Battery limits
Submission Requirements
What to submit for a commercial
insurance quote
A complete submission should clearly explain the venue's alcohol sales, hours, entertainment, security procedures, and loss history.
Required and recommended documents
- ACORD 125 — Complete commercial application
- ACORD 126 — General Liability application
- Company supplemental — Alcohol, entertainment, hours, and security details
- Five-year loss runs — Currently valued
- Alcohol and food receipts — Current and projected sales breakdown
- Security information — Guard details, training, incident procedures, and camera coverage
Bars, Taverns & Nightclubs FAQ
Frequently asked questions
Straight answers to common broker questions about Liquor Liability, General Liability, entertainment, and nightlife exposures.
What hospitality classes may qualify?
Bars, taverns, pubs, cocktail bars, nightclubs, dance clubs, lounges, karaoke bars, live entertainment venues, and similar alcohol-serving hospitality risks may be considered, subject to underwriting.
Are new ventures eligible?
Yes. New ventures may be considered by select markets when complete operating, ownership, security, and financial details are provided.
Can venues with 100% alcohol sales qualify?
Yes. Select markets may consider venues with up to 100% alcohol sales, subject to the operation, controls, entertainment, and underwriting.
Is happy hour acceptable?
Yes. Happy hour and other alcohol promotions may be considered, subject to responsible-service procedures and underwriting.
Are late-closing venues eligible?
Yes. Late closing may be considered based on hours, venue type, security, alcohol-service controls, and loss history.
Are bars and nightclubs with live entertainment and DJs eligible?
Yes. DJs, dancing, karaoke, live music, and similar entertainment may be considered, subject to venue controls and underwriting.
What Assault & Battery limits are available?
Assault & Battery coverage may be available up to $250,000 per occurrence and $300,000 aggregate limits, subject to underwriting and venue controls.
Are employees and volunteers covered?
Employee and volunteer coverage is included under the referenced market, subject to the policy terms and conditions.
What liability limits are available?
Coverage may be available up to $1,000,000 each common cause and $2,000,000 aggregate, subject to underwriting. Excess Liability may also be available over qualifying underlying coverage.
Can adverse loss history be considered?
Yes. Adverse loss history may be reviewed when detailed loss information, claim circumstances, and corrective actions are provided.
What forms are required for a submission?
Submit ACORD 125, ACORD 126, a completed company supplemental covering alcohol, entertainment, hours, and security, and currently valued loss runs, along with an alcohol and food receipts breakdown.
Do brokers need to be appointed before submitting?
No. Brokers may submit a hospitality risk before completing an appointment with Greenwood General.
Ready to Place
Have a bar or nightclub risk ready to quote?
Send the submission for access to Liquor Liability, General Liability, Assault & Battery, and Excess Liability markets — or contact underwriting to confirm eligibility.