Industries · California
Bar & restaurant insurance in California
An independent California brokerage for the hospitality accounts standard markets hesitate on — bars and restaurants that need real liquor liability and assault & battery coverage, including non-renewed and post-claim venues.
The three problems that bring venues to us
They are usually tangled together — and they're the reason a profitable venue can suddenly struggle to find a quote.
Liquor liability
The coverage for claims connected to serving alcohol, which standard liability policies typically exclude for businesses in the alcohol business.
Assault & battery
The line most likely to be quietly excluded or capped at a fraction of the headline limit, and the one a late-night venue is most likely to actually need.
Non-renewal
A fight, a claim, or simply a carrier leaving the class — and suddenly a profitable venue can't find a quote.
Coverage & guides
What to get right on a hospitality policy
Liquor liability in California
What California law actually says about serving alcohol and liability, what the coverage does, and who needs it.
Assault & battery coverage
Why the A&B wording matters more than the policy's headline limit, and exactly what to check before you renew.
Bar insurance non-renewed?
What a non-renewal means, the timeline that matters, and how hard-to-place hospitality accounts get rebuilt.
Common questions
Does a standard liability policy cover alcohol-related claims?
Usually not. Commercial general liability policies typically exclude liquor liability for businesses in the business of selling or serving alcohol. A separate liquor liability policy — or endorsement — is what responds to claims connected to serving alcohol, which is why bars and restaurants carry it as its own line.
What is an assault & battery sublimit?
An assault & battery sublimit caps what the policy pays for claims arising from fights, altercations, or security incidents — often at a fraction of the policy's headline limit, sometimes at zero. For a late-night venue, the A&B wording matters more than the limit on the front page of the quote.
Can a bar get insurance after a non-renewal or a claim?
Yes — that's the work we specialize in. Non-renewed and post-claim hospitality accounts are usually placed in the specialty and surplus lines market, which retail buyers can't approach directly. A complete submission with loss runs is what gets a hard hospitality account quoted.
Related: Loss runs explained · Non-renewal in California · Insurance glossary
Tell us about your venue
One message is enough to start: your venue type, where you are in your policy term, and what's driving the search. Non-renewed or post-claim? That's our specialty — it won't shock us.
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