Assault and battery in bar insurance: compare the GL and liquor liability wording
How retail agents can compare A&B exclusions, sublimits, defense terms and allegations across a bar's GL and liquor liability quotes.
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Insurance for Restaurants & food service
Full-service, fast-casual, bars and multi-location operators. Already appointed? Send us the account. New here? Apply for appointment below.
Why submit
to Nomos.
Initial market-fit response within 30 minutes
We review each submission against current market appetite and provide an initial market-fit response within 30 minutes of receipt. This is an initial review, not a quote or confirmation of coverage.
Broker review before underwriter handoff
Suitable accounts are typically sent to an underwriter within one hour of receipt, after a licensed broker reviews the match and final file. You're kept posted on where it stands, even when the answer is no.
What we
place.
Explore coverage guidance for this class. Nomos reviews each account against current market appetite; available coverage and terms depend on the account and market.
Business owner's policy (BOP) GL and property in one policy
Liquor liability Alcohol-service liability; A&B terms require separate review
Workers' compensation Admitted market
EPLI
Spoilage & equipment breakdown Refrigeration losses, kitchen equipment failure
Commercial auto Hired & non-owned, for delivery and catering
Comparing GL and liquor for a restaurant renewal?
For restaurants serving alcohol, send current terms for a competitive review of liquor liability alongside GL. Check the actual liquor and assault-and-battery wording; neither should be inferred from the package label. Our quote comparison checklist covers the questions to ask. Keep property, workers' compensation and the restaurant's other coverage needs in the same account review.
A wholesaler that works
the whole market.
Market fit reviewed in-house
We review each submission against current market appetite. Account-specific fit needs broker confirmation before underwriter handoff.
Every hour risks the client
Suitable accounts move to an underwriter after a licensed broker reviews the match and final file. Carrier response and quote timing depend on the account and market.
Just send the file
No upfront appointment required. Send the file you have and we’ll let you know what it needs next.
Who this is
built for.
Full-service restaurants and bars
Quick-service, fast-casual and ghost-kitchen operators
Cafés, coffee shops and bakeries
Multi-location and franchise operators
Caterers and event venues
More to help place
this account.
What to send a wholesaler for a bar or restaurant liquor liability quote
A retail agent's checklist for a useful bar or restaurant GL/liquor inquiry, followed by the documents a fuller underwriting submission may need.
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Does general liability cover liquor liability? What agents should check
For bars and restaurants selling alcohol, a GL declaration is not the full answer. A retail agent's guide to liquor exclusions, host liquor and forms.
Read the piece
E&S Placement Stories
See the placement in practice.
Actual accounts, the challenges retail agents brought us, and how Nomos helped place them.
Browse E&S Placement Stories
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Just send
the file.
No upfront appointment required. Send the file you have; we'll let you know within 30 minutes if it's something we can help with.
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