Colonial General Insurance Agency, Inc. offers a focused Tavern Insurance program for taverns and restaurants where alcohol sales are 30% or more of total gross receipts. The program supports small neighborhood bars through high-volume full-service restaurant bars, with Property and Liability available on a mono-line or package basis to fit varied risk profiles and operational needs.
Ideal Accounts and Appetite
This program is best suited for agents placing:
- Taverns and bars with significant alcohol sales (30%+ of gross sales)
- Restaurants with full-service bars or late-night service
- Small to mid-sized hospitality establishments that provide food and entertainment
Accounts with prior losses or complex exposures may still be considered — Colonial General’s underwriting is flexible and reviews submissions on a case-by-case basis. This market offers both admitted and non-admitted options in select states.
Coverage Highlights and Advantages
Property Coverage Available for Taverns:
- Accounts Receivable
- Basic, Broad, or Special Form
- Building and Business Personal Property
- Business Income and Extra Expense
- Computer Equipment
- Equipment Breakdown
- Food Spoilage
- Contents and Outside Signs
- Valuable Papers
- Replacement Cost or Actual Cash Value (ACV)
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 occurrence/aggregate
- Liquor liability included
- Excess/umbrella limits up to $25,000,000
- Assault and/or battery limited liability coverage ($25,000 per event / $50,000 aggregate)
- Medical payments coverage ($5,000)
- Additional insureds available
- No deductible required on liability (per program terms)
Crime Coverage Available:
- Inside the premises — theft of money and securities
- Inside the premises — robbery or safe burglary of other property
- Outside the premises coverage
Underwriting Notes
Coverage can be bound as mono-line or as a packaged program. Colonial General evaluates each submission on exposures, location, and operations; pricing and structure are tailored to the account. There is no published minimum premium — actual minimums, if any, will be determined by the underwriters and the market selected.
Territories and Availability
This Tavern Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Depending on the state and the account, coverage may be placed through admitted or non-admitted markets.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides regional hospitality expertise and broad market access. The program is backed by multiple carrier partners and offers underwriting flexibility for common tavern risks — liquor exposure, assault/battery incidents, food spoilage, and equipment breakdown among them.
Agents benefit from responsive underwriting, placement options across admitted and E&S markets, and policy forms that address hospitality-specific exposures. You can rely on Colonial General to help structure limits, excess layers, and ancillary coverages to fit your client’s operation.
Practical Placement Examples
- You may have a neighborhood tavern with moderate alcohol sales, dart leagues, and a single bartop — this program can provide primary GL with liquor liability and limited assault/battery coverage.
- A mid-size restaurant with a full bar, commercial kitchen, and late-night hours can be placed with both property (including food spoilage and equipment breakdown) and high-limit excess liability to address elevated exposures.
Frequently Asked Questions
What types of accounts are a good fit for this Tavern Insurance program?
Ideal accounts include taverns, bars, and restaurants where alcohol sales are 30% or more of gross receipts. Establishments with entertainment or late-night operations are routinely considered.
Is liquor liability coverage included in this program?
Yes. Liquor liability is available as part of the Commercial General Liability offering, with primary limits up to $3 million and excess options up to $25 million.
Can I submit accounts located in multiple states?
Yes. Colonial General writes business in AZ, CA, CO, ID, NV, NM, UT, and WY. Multi-state operations within these states can be submitted and will be evaluated by underwriting.
Are there coverage options for food spoilage and equipment breakdown?
Yes. Both food spoilage and equipment breakdown are available under the Property section to protect perishable inventory and kitchen equipment.
Does the program offer any assault and battery coverage?
Yes. A limited assault and/or battery liability form is available with $25,000 per event and $50,000 aggregate limits.
Need help placing an account? Connect with a market specialist.