Bars and restaurants are a core part of the hospitality industry, but they are only a small part of countless organizations with a food and beverage exposure.
Today’s consumers have many options for entertainment where food and alcohol are part of the going-out experience. From golf simulators and pickleball facilities to paint-and-sip studios and beauty salons, these businesses are creating unique environments which require unique insurance needs. Now is an excellent time to review coverage for these hospitality risks.
Why Do These Risks Need Liquor Liability?
Even if alcohol is not the main attraction, any entity selling or serving alcohol (even complimentary beverages) can be held liable if there is an alcohol-related claim, such as serving to a minor or an intoxicated individual. If an establishment doesn’t have a liquor license but permits BYOB, they could still be held liable for an alcohol-related incident on their premises. While a claim could be deemed frivolous and does not result in a payout, your clients could still be on the hook for the expensive costs of defending the claim.
Specialty and Niche Experiences We Can Consider:
- Pickleball clubs, golf simulator venues and other social recreation destinations that incorporate food and beverage services
- Beauty salons, barber shops and nail salons
- Paint-and-sip studios
- Cooking schools with dining events
- BYOB exposures
- Adult senior living facilities (monoline liquor liability only)
- Pop-up dining experiences
- And more!
Why Choose USLI?
USLI can help you capitalize on these emerging opportunities with customized coverage solutions. With competitive minimum premiums, we can put your clients at ease knowing they are protected from a liquor liability claim.
- Three-hour turnaround time on emailed submissions (the first quote wins!)
- Package and monoline options on eligible risks
- Competitive minimum premiums
- Defense costs outside policy limits
- Liquor limits up to 1 million/2 million
- Assault and battery coverage available on eligible risks
- Minimal information needed to start quoting
As consumers continue to seek unique social and entertainment experiences, these specialty businesses are becoming an important segment of the hospitality marketplace. Let USLI help you turn these unconventional opportunities into written business. Email us today to get started or use our Instant Answer service to chat with an underwriter. Let us help make you more efficient. You will receive a quote, pend or decline on submitted risks within three hours of receipt from USLI!
Get a quote fast — your way
ONLINE SNAP.USLI.COM
PHONE 888-773-8754
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Please continue to think of us for your hospitality food and beverage accounts. We have remained a consistent liquor liability market for over 50 years. AM Best recently rated us an A++ insurance company once again. We want to provide our customers with the best experience through speed, ease of use and accessibility. Learn more about our hospitality and liquor coverage today!
