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General Liability, Liquor, and more…

Restaurants, bars, taverns, and nightclubs have more to worry about than daily specials and what’s on tap, such as accidents in the kitchen and slips and falls from customers. Over-served patrons who get behind the wheel present a liquor liability. Fights among patrons or those with security personnel account for numerous assault and battery claims. Throw in a misguided dart, an unsuccessful mechanical bull ride or a fall on the dance floor and the recipe for risk increases. All Risks is a leading restaurant insurance wholesale broker with specialists who can help you craft the best coverage for your clients.

Documents & Downloads

Food Liability Brochure



  • Business Interruption Coverage

  • Property Insurance

  • Liquor Liability

  • Assault and Battery Coverage may be available

  • A.M. Best “A-” or better markets

  • Admitted and non-admitted carriers

  • Monoline and package available

Best For

  • Restaurants

  • Microbreweries

  • Hotel bars

  • Liquor stores

  • Neighborhood bars

  • Pizza parlors

  • Sports bars

  • Late-night diners

  • Ethnic restaurants

  • BBQ smokehouses

  • Cigar bars

  • Large nightclubs

  • Nightclubs on or near college campuses

  • New ventures (resume needed)

  • Large dance floor establishments

  • Pool halls

  • 100% liquor sales OK

  • Theme clubs

  • Adult clubs

Summary of Coverage

Some common and critical types of insurance available include:

  • General Liability – This is the policy that protects you in the event someone slips and falls in your restaurant, gets sick after eating there (whether it was your fault or not). This is a must have in today’s sometime sue-happy world.

  • Liquor Liability – Most states require that any establishment holding a liquor license carry liquor liability as part of their insurance. It helps protect you if a customer has too much to drink and drives and hurts themselves or someone else.

  • Property Insurance – Protects your property in case of fire or other events. If you have any kind of mortgage on your business and/or equipment, then you should carry a property insurance policy.

  • Business Interruption Coverage – If you lose sales through a specific cause, this type of policy can recoup some of the income. Keep in mind the premiums and deductible may make you break even, depending on how much you lose.

Related Products

Bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims

FLIP provides liability coverage to safeguard food businesses such as vendors, caterers, food trailers, and more.

Special Events

​Special event liability insurance provides coverage for third-party bodily injury and property damage that may arise from an event.

Why World Events Specialty?

We understand the importance of building and maintaining personal relationships with clients and learning about their organizations. This is essential in order to develop on ongoing understaning of our clients' needs and requirements.

Need more details? Contact us

We are here to assist. Contact us by phone, email or via our Social Media channels.

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