We write restaurants, bars and taverns. While we love restaurants, snack bars and diners, we also write those risks with milder forms of entertainment. DJ's, Dance Floors, Small Bands are no problem. While we are looking for the smaller risk with an established clientele, we have markets to write the larger and more lively bars and taverns, as well.

In addition to the normal underwriting questions, risks will be subject to the following criteria:

• All risks must be owned by management who have at least three years experience in running a bar, tavern or restaurant, whether as owner or manager.
• The financial status must be known and be good.
• All fixtures and fittings must be maintained in good order.

Generally, we have difficulty placing:

• Risks which are located on a college campus (near is OK!)
• Risks with mechanical rides or playgrounds
• Risks with unsavory reputations
• Risks which are known trouble spots
• Risks which employ bouncers

We write Commercial General Liability monoline or in a package with the Property Coverages. In some states, we can provide the liquor liability coverage on either a monoline or package basis!

We use the ACORD application for the CGL and Property. We have a special applications for the liquor liability, depending on the program, so let us know and we'll send you the appropriate application.