Restaurant, Bar & Tavern

Hospitality Package Program

Integrated Specialty Coverages (ISC) has developed a Restaurant, Bar & Tavern program underwritten by an experienced team with over 40-years of combined experience. ISC’s comprehensive RBT program provides exceptional and affordable coverage options tailored to fit your clients’ particular needs. Download Application Here

Eligibility and Coverage Details

Territories
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming
  • Alabama (No Liquor Liability)
  • Pennsylvania (No Liquor Liability)
  • South Carolina (No Liquor Liability)
  • Vermont (No Liquor Liability)
  • West Virginia (No Liquor Liability)
Eligible Classes
  • Bars & Taverns
  • Karaoke Bars
  • Restaurants w/ and w/o entertainment
  • Cigar Bars
  • Craft Beer
  • Roof Top Bars
  • Sports Bars w/o entertainment
  • Ultra Lounges
  • Wine Bars
  • Billiard Halls
  • Liquor Stores
Available Limits & Additional Coverages
  • General Liability: $1MM/$2MM
  • Assault & Battery: Up to $1MM
  • Liquor Liability: $1MM/$2MM
  • Property: Up to $1MM TIV
  • Property (Building, BI, Contents, Improvements and Betterments)
  • Property Enhancement Endorsement
  • Hired and Non-owned (No Delivery exposure)
  • Equipment Breakdown
Program Highlights
  • “A” Rated Carrier
  • Broad Coverage
  • Quick Turn-Around Times
  • In-Depth Industry Knowledge

Appetite Guidelines

Fine Dining & Family Style Restaurants
  • • Silent A&B
  • • No Deductible
  • • No Fast Food or Dennys, etc.
Craft Beer/Breweries and Wine Bars
  • • Silent A&B
  • • No Deductible
  • • Off Premises/Package/Carry Out Sales
Restaurants with Entertainment, Bars, Pubs, Taverns up to 74% Liquor
  • • 0 to $1,000,000 A&B Sub Limits
  • • No Deductible
  • • Billiard Halls
  • • Entertainment/Dancing/ID Checkers
  • • Sports Bars Without Entertainment
Bars, Pubs, Taverns 75% and Over Liquor
  • • 0 to $300,000 A&B Sub Limits
  • • No Deductible
  • • Must be in Business at Least 3 Years
Liquor Stores
  • • 0 to $1,000,000 A&B Sub Limits
  • • No Deductible
  • • No Bar on Premises
  • • Limited Tastings Allowed When Using Trained Servers
  • • No Drive Thru Window
Adult Entertainment
  • • 0 to $300,000 A&B Sub Limits
  • • $5,000 Deductible
  • • No Property
  • • No Full Nudity
  • • No BYOB
  • • No Under 21
  • • $500,000 Minimum Receipts
  • • In Business at Least 3 Years
  • • $20,000 Minimum Premium

Common Declinations

  • • New over 75% Liquor. Must be in Business 3 Years
  • • Sports Bars with Entertainment
  • • Nightclubs
  • • Mono Line Liquor
  • • VFW’s, Lodges, Private Social Clubs
  • • Live Entertainment/Concert Type Risks
  • • Hibachi/Cook Your Own/Hot Pot
  • • Bars with Off Premises/Package/Carry Out Sales
  • • College Bars
  • • Rural Bars/Taverns
  • • Open Past 2AM Except Portland & NYC

Submission Requirements

Send a completed Supplemental application  email to: RBTN@ISCMGA.com