Restaurant, Bar & Tavern Program
Including Liquor Liability

We've written over $30 million in Restaurant, Bar & Tavern Program premium since we began this program. It is the best and most competitive program of its kind in Alaska, Colorado, Oregon and Washington.

Coverage is written on a Commercial Package Policy, including Liquor Liability. Property and Liability may be written monoline but Liquor Liability may not be. The policy form is very broad, with generous property broadening endorsement limits - including some coverages not found in most competing products (i.e.: Food Borne Illness). We can include Non-Owned and Hired Auto (if no food delivery and no owned autos), as well as Washington Stop Gap. Assault & Battery is included on most accounts, with no additional premium charge.

We look to write business in all segments of the market (restaurants, bars and taverns), except:

• Tougher Nightclubs
• Accounts with any Liquor Violations (and we check) or any Liquor Liability Losses.
• Accounts with an Adult Entertainment exposure.
• Accounts without adequate fire suppression capability.
• In Oregon only, accounts with all but the most incidental entertainment.

We are extremely competitive on the tavern classes. Preferred markets will often beat us on the low liquor, BOP-able risks and we are very competitive, but not dominant, on the above 75% liquor account. In the middle ground between the Preferreds and the bars, however, we are extremely comptititve

We call these our Target Accounts and we routinely defeat the principal competing programs on these risks. Best of all, we are paying 15% commission on new Target Accounts!

We can entertain accounts with a wide variety of premises-driven incidental exposures, including:

In an effort to be a little more user friendly, we have "shrunk" our application and are now offering both a supplemental application and a renewal application. And we will soon be allowing an application that you can submit electronically. To secure an application, please select from those shown below:

So we can work off of our application or an ACORD or competitors application -- with our supplemental application.

Applications are best submitted directly to: applications@surpluslines.com

Your broker / underwriter will be...
William H. (Bill) Tanner, CPCU, AU, ASLI, CISC
E-Mail: btanner@surpluslines.com
Phone: 360-613-5455 Ext: 202 - Cell: 360-649-8969