Liquor Liability
Dram shop coverage protecting your establishment against third-party claims when an intoxicated patron causes injury or property damage. Essential for any alcohol-serving business.
Running a restaurant, tavern, or bar means juggling kitchen risks, liquor liability, guest injuries, and property exposure—all at once. Soma's specialty insurance programs are purpose-built for food and beverage establishments, placing comprehensive coverage that standard brokers routinely decline. From dram shop liability to food spoilage protection, get the right coverage fast with a single application.
Comprehensive insurance coverage designed specifically for food and beverage businesses, from neighborhood taverns to high-volume restaurants.
Dram shop coverage protecting your establishment against third-party claims when an intoxicated patron causes injury or property damage. Essential for any alcohol-serving business.
Covers premises-related incidents including slip-and-fall accidents, guest injuries, crowd-related incidents, and bodily harm claims that occur on your property.
Protects your building, kitchen equipment, bar fixtures, glassware, furnishings, and signage against damage, theft, or loss from covered events.
Replaces lost revenue during forced closures due to covered property damage, power loss, or other qualifying events that shut down your operations.
Soma's dedicated Risk Management Team analyzes your restaurant or bar's unique exposures and builds a tailored coverage program at the right price—fast.
Customized insurance packages for mixed-use venues, late-night bars, high-occupancy event spaces, and establishments with complex or hard-to-place risk profiles.
Restaurants, taverns, and bars face a unique combination of risks—alcohol liability, kitchen fires, guest injuries, food spoilage, and employee dishonesty—that generic commercial policies often leave exposed. Soma works with specialty carriers including Markel, Nationwide, and Liberty Mutual to build insurance programs that address every layer of your exposure. Whether you operate a neighborhood bar, a full-service restaurant, or a high-occupancy late-night venue, Soma places the coverage others won't through a single fast application.
See how Soma has helped restaurants, bars, and taverns secure fast, comprehensive coverage that protects what they've built.
Soma brings speed, specialty expertise, and genuine market access to every food and beverage insurance placement.
Soma places liquor liability and hospitality risks with Markel, Nationwide, and Liberty Mutual—carriers standard brokers can't access.
One application gets your restaurant or bar quoted quickly, with no weeks of waiting or chasing brokers for updates.
Late-night venues, high-occupancy bars, prior claims history—Soma specializes in placing risks other brokers routinely decline.
Soma's Risk Management Team analyzes your operations to deliver affordable, comprehensive coverage customized to your specific business.
Experienced insurance specialists dedicated to protecting food and beverage businesses.
Soma is purpose-built for businesses that standard insurance brokers turn away. With deep specialty carrier relationships—including Markel, Nationwide, Chubb, and Liberty Mutual—Soma's Risk Management Team has processed thousands of businesses across the hospitality sector, from neighborhood taverns to high-volume restaurant groups. Our team takes the time to understand every establishment's unique exposure profile—alcohol service, kitchen operations, event hosting, and more—and acts fast to place the right coverage at the right price. Restaurants and bars are among the most complex risks in commercial insurance, and Soma's specialists are built for exactly that challenge.
A bar typically needs liquor liability (dram shop) insurance, general liability, commercial property, and business interruption coverage at minimum. Liquor liability is critical—it protects against third-party claims when an intoxicated patron causes injury or property damage. Depending on your operations, you may also need employee theft, hired auto, and event coverage for hosted functions.
Talk to a Soma hospitality insurance specialist for a fast, no-obligation consultation tailored to your business.
Partnered with top-rated carriers for complex hospitality risks
Recognized for trustworthy business practices and customer service
Proven track record placing thousands of complex business risks
Fill out our single application and Soma's hospitality insurance specialists will analyze your business, access our specialty carrier network, and deliver competitive coverage options—fast. No waiting weeks, no chasing brokers.