Food & Beverage Insurance
For Agents Placing Hospitality Risks
Decades of Hospitality Underwriting Experience | AM Best A- Rated Carrier | Admitted and E&S Options
Built for bars, taverns, restaurants and other food and beverage operations that need a market with real hospitality underwriting experience.
Backed by Accelerant National Insurance Company (Admitted, Michigan) and Hadron Specialty Insurance Company (E&S), both rated AM Best A- (Excellent).
- Admitted in Michigan
- E&S in Colorado, Idaho, Illinois, Indiana, Kentucky, Nebraska, Ohio, and Wyoming
- Package program consolidates GL, Property, and Liquor Liability in a single submission
- Liquor Liability available as part of the package (standalone monoline Liquor Liability also available in select states)
Core Coverage Structure
Liability
- General Liability: Up to $1M/$2M
- Liquor Liability: Up to $1M/$1M
Property
- Buildings, Business Income, Business Personal Property, Improvements & Betterments, Equipment Breakdown
- Property Enhancement Endorsements (20+ Additional Coverages)
Commercial Auto
- Hired & Non-Owned Auto
Lessors Risk Only
- Available if tenant coverage has or will be placed with Conifer
Coverage Add-Ons
- Cyber Liability
Target Classes
Conifer’s hospitality underwriting team has decades of experience evaluating food and beverage risks. That depth shows in how risks are evaluated, how policies are structured, and how claims are handled.
For agents placing hospitality business, the challenge is often fragmented coverage. Admitted markets may cover GL and Property but exclude or restrict Liquor Liability. Monoline liquor providers fill part of the gap but leave the agent managing multiple carriers, multiple renewals, and potential coverage conflicts at the seams.
Conifer’s Food & Beverage program solves that problem. One submission, one carrier, one package that consolidates GL, Property, and Liquor Liability together.
We target the following food and beverage operations:
Insuring Bars and Taverns
Bars and taverns carry significant liquor liability exposure driven by alcohol-to-food ratios, hours of operation, and entertainment elements. Many carriers restrict or decline these risks based on liquor receipts alone. Agents placing bar and tavern business often end up splitting GL/Property with one market and Liquor Liability with another.
Conifer’s hospitality underwriting team evaluates bar and tavern risks based on the full operational picture, not just a liquor ratio. Decades of experience in this space means we understand the risk factors that matter and the ones that don’t.
Coverage for Bars and Taverns
General Liability: Covers premises exposure, customer injury, and third-party claims from daily operations.
Liquor Liability: Covers claims arising from the sale, service, or furnishing of alcohol.
Property: Covers buildings, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Why Conifer for Bars and Taverns? One package consolidates GL, Property, and Liquor Liability under a single carrier. No split placements, no coverage gaps at the seams. Submit to CommercialLines@ConiferInsurance.com.
Insuring Restaurants
Restaurants present a range of exposures depending on the type of operation, from family style, casual dining to fine dining with full bar service. Liquor exposure, kitchen operations, customer volume, and hours of operation all factor into the risk profile. Many agents find that many carriers can handle the basic GL/Property package but restrict or exclude Liquor Liability based on alcohol sales percentage.
Conifer’s hospitality underwriting team evaluates restaurant risks with an understanding of how these operational variables interact, not just whether the restaurant serves alcohol.
Coverage for Restaurants
General Liability: Covers premises exposure, customer injury, and third-party claims from daily operations.
Liquor Liability: Covers claims arising from the sale, service, or furnishing of alcohol.
Property: Covers buildings, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Why Conifer for Restaurants? Package placement means GL, Property, and Liquor Liability are coordinated under one carrier, one policy, one renewal. Submit to CommercialLines@ConiferInsurance.com.
Insuring Fraternal Organizations
Fraternal organizations (VFW halls, American Legion posts, Elks lodges, Knights of Columbus, Moose lodges, and similar) operate as social gathering spaces that often include a bar or food service component. These operations carry premises liability, liquor exposure, and property risk, but their membership-based structure and event calendar create an exposure profile that differs from a standard bar or restaurant.
Conifer’s hospitality underwriting team understands the operational nuances of fraternal organizations, including member vs. public event exposure, rental of facilities for private functions, and the liquor service model that comes with these operations.
Coverage for Fraternal Organizations
General Liability: Covers premises exposure, member and guest injury, and third-party claims from operations and events.
Liquor Liability: Covers claims arising from the sale, service, or furnishing of alcohol at the facility.
Property: Covers buildings, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Why Conifer for Fraternal Organizations? Package placement handles GL, Property, and Liquor Liability for organizations that don’t fit neatly into standard restaurant or bar programs. Submit to CommercialLines@ConiferInsurance.com.
Insuring Cigar and Hookah Lounges
Cigar and hookah lounges carry a specific combination of premises liability, smoke exposure, and potential liquor liability if alcohol is served. Many standard hospitality programs exclude or restrict these operations. Agents often struggle to find a single market that addresses the lounge environment, ventilation requirements, and alcohol service together.
Conifer’s hospitality underwriting team evaluates lounge operations based on the specific risk factors at play, including ventilation systems, alcohol service, and patron capacity.
Coverage for Cigar and Hookah Lounges
General Liability: Covers premises exposure, customer injury, and third-party claims from lounge operations.
Liquor Liability (if alcohol is served): Covers claims arising from the sale, service, or furnishing of alcohol.
Property: Covers buildings, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Insuring Breweries, Wineries, and Distilleries
Craft beverage producers carry a unique combination of manufacturing, retail, and hospitality exposures. A single operation may include production equipment, raw material storage, tasting room operations with on-site alcohol sales, and retail product distribution. Standard commercial programs often struggle to address the full exposure profile in a single placement.
Conifer’s hospitality underwriting team evaluates craft beverage operations based on the production and retail components together, accounting for equipment values, tasting room traffic, liquor exposure, and property concentrations.
Coverage for Breweries, Wineries, and Distilleries
General Liability: Covers premises exposure, customer injury, and third-party claims from both production and tasting room operations.
Liquor Liability: Covers claims arising from the sale, service, or furnishing of alcohol in tasting rooms and retail settings.
Property: Covers buildings, production equipment, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Why Conifer for Craft Beverage Producers? Production and hospitality exposures under one package. No need to split manufacturing and tasting room coverage across separate carriers. Submit to CommercialLines@ConiferInsurance.com.
Insuring Pubs, Bistros, and Wine Bars
Pubs, bistros, and wine bars occupy the space between full-service restaurants and bars. Alcohol is central to the operation, but the atmosphere, hours, and patron profile differ from a traditional bar or tavern. Carriers sometimes restrict these risks based on liquor revenue percentages without considering the lower-risk operational characteristics.
Conifer’s hospitality underwriting team evaluates these operations based on the actual risk profile rather than applying a one-size-fits-all liquor ratio threshold.
Coverage for Pubs, Bistros, and Wine Bars
General Liability: Covers premises exposure, customer injury, and third-party claims from daily operations.
Liquor Liability: Covers claims arising from the sale, service, or furnishing of alcohol.
Property: Covers buildings, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Insuring Gaming Parlors
Gaming parlors that operate alongside food and beverage service, carry premises liability, potential liquor exposure, and property risk tied to gaming equipment and facility build-out. These operations often fall outside standard hospitality programs due to the gaming component, leaving agents to piece together coverage from multiple markets.
Conifer’s hospitality underwriting team evaluates gaming parlor risks based on the food and beverage operation alongside the gaming component, looking at the full operational profile.
Coverage for Gaming Parlors
General Liability: Covers premises exposure, customer injury, and third-party claims from operations.
Liquor Liability (if alcohol is served): Covers claims arising from the sale, service, or furnishing of alcohol.
Property: Covers buildings, gaming equipment, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Submissions & Downloads
How to Submit
Send completed applications and loss runs to: CommercialLines@ConiferInsurance.com
What We Need
- Completed Conifer Application, ACORD forms, or equivalent completed application
- 3-5 years of loss history (current and prior carriers)
Frequently Asked Questions for Food & Beverage Insurance
The Food & Beverage program is backed by Accelerant National Insurance Company (Admitted, Michigan) and Hadron Specialty Insurance Company (E&S), both rated AM Best A- (Excellent).
Admitted in Michigan. E&S in Colorado, Idaho, Illinois, Indiana, Kentucky, Nebraska, Ohio, and Wyoming.
Yes. Liquor Liability is available up to $1M/$1M as part of the Food & Beverage program. This allows agents to consolidate GL, Property, and Liquor Liability under a single carrier and a single submission.
Conifer offers a separate monoline Liquor Liability program in Michigan (Admitted), Illinois, Indiana, and Ohio (E&S) with limits available up to $1M/$1M, zero deductible, and liquor receipts to 100% considered. Submit to CommercialLines@ConiferInsurance.com.
No. Hired & Non-Owned Auto under the Food & Beverage program excludes delivery operations.
Conifer’s hospitality underwriting team evaluates the full operational picture rather than declining risks based on a single ratio threshold. In fact, we often write risks above and beyond 50%!
Yes. Breweries, wineries, and distilleries are available for coverage under the Food & Beverage program.
Mobile food trucks, cigar lounges and catering or bartending services are not eligible under the Food & Beverage program.
Yes. Fraternal organizations (VFW, American Legion, Elks, Knights of Columbus, Moose lodges, etc.) are a target class. The package handles GL, Property, and Liquor Liability together.
Yes. LRO coverage is available when tenant coverage has been or will be placed with Conifer.
Nightclubs, adult entertainment, axe throwing venues, music venues, wedding venues, event centers, banquet halls, special events, mobile food trucks, mobile cigar lounges and catering or bartending services.
Completed Conifer Application, ACORD forms, or equivalent completed application, plus 3-5 years of loss history. Submit to CommercialLines@ConiferInsurance.com.
Accordion Content
Ready to Help
Conifer Insurance Services is a specialty Managing General Agency that partners exclusively with independent retail and wholesale insurance agencies to deliver niche commercial programs for cannabis, hospitality, liquor liability, specialty retail, and student housing risks, backed by A-rated carrier partners and supported by responsive, service-first underwriting.