Bar and Restaurant Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Bar Insurance and Restaurant Insurance

The food service industry is forecasted to reach $898 billion in sales in 2022 with the workforce projected to grow by 400,000 jobs, totaling 14.9 million jobs by the end of 2022. We all know this is a massive industry with endless opportunities. Insurance producers across the country have many clients in the food and beverage industry looking for the right liability insurance. Prime Insurance Company is here to offer bar and restaurant insurance so owners can focus on quality service and not worry about costly litigation.

If you’re an insurance producer looking to write more business and provide insurance solutions to your clients, then Prime Insurance Company is the partner for you. As a leading excess and surplus lines insurance company, Prime can write bar and restaurant insurance with confidence.

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure bars and restaurants all across the country. Whether they need a brand new policy or if they have gaps and exclusions in their current policy, we can write a customized insurance policy to fit their needs. 

Nature of Business
(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients of the following classes:

  • Restaurants
  • Cafes
  • Bars
  • Nightclubs
  • Taverns
  • Cocktail Lounges
  • Wine Bars
  • Staff (including bouncers, cooks, and more)
  • And More

Coverage Options

  • Commercial General Liability
  • Commercial Auto Coverage (available in most states)
  • Employment Practices Liability Insurance (EPLI)
  • Equipment Coverage
  • Liquor Liability
  • Premises Liability
  • Products Liability
  • Professional Liability (E&O)
  • Property Coverage
  • Firearms Liability (available in most states)
  • Garage Keepers Legal Liability
  • Riot and Civil Commotion Liability Coverage
  • Special Events Liability
  • Active Shooter Liability Coverage
  • Alleged Assault and Battery Liability
  • Alleged Sexual Abuse and Molestation Liability
  • Communicable Disease Liability Coverage
  • TRU Umbrella / Excess Liability
  • And More


Bar and Restaurant Insurance Claims

The claims against restaurants and bars can be many — and costly. Who could forget the infamous lawsuit against McDonald’s, where a customer suffered third-degree burns on six percent of her body after spilling a hot cup of coffee? She was awarded $600,000! What about the countless lawsuits that never make the news? How about bouncer-induced injuries that leave patrons with broken bones and teeth? Or an underage patron who was mistakenly served alcohol and attacked patrons with a hatchet concealed beneath his undercoat? Or a customer who chokes on a soup bone? Insurance for bars and restaurants will considerably help if a claim does occur.

Over the last 20 years, more than 4,000 people die each year due to choking, while some years top 5,000 deaths.  Some studies report that you are twice as likely to get food poisoning at a restaurant than compared to eating in. Note that these are just a couple of alarming statistics related to bars and restaurants.

Fact is, the most common types of accidents at restaurants are food poisoning, choking, slips and falls, broken teeth, and scalding. They can happen at any time, without any warning. And if the restaurant doesn’t do everything reasonably possible to protect its patrons, it’s in for it. The court will favor the customer due to the restaurant’s negligence.

To help prevent costly litigation, it is wise to go with an insurance company that writes customized policies for bar and restaurant insurance and will fight for your clients in the event of a lawsuit or claim.

Bar and Restaurant Insurance Providers and Prime Insurance

Looking for the best bar and restaurant insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

Get A 'Bar and Restaurant Insurance' Quote

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! We also require a phone call with the owner/applicant. Get started with your bar and restaurant insurance quote today by clicking the “Get a Quote!” button above.


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Bar and restaurant insurance is our expertise! 

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

About Us

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see for latest ratings
**The most current Financial Stability Rating® must be verified by visiting

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.