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 restaurant or bar.
Running a restaurant or bar means navigating liquor liability, guest injuries, food spoilage, and property risks every single day. Soma's umbrella insurance programs layer excess coverage over your existing policies, closing the gaps that standard limits leave exposed — so one major claim doesn't threaten everything you've built. Get comprehensive, competitively priced protection built specifically for food and beverage operations.
Purpose-built umbrella and excess coverage programs addressing every layer of risk unique to food and beverage businesses.
Dram shop coverage protecting your establishment against third-party claims when an intoxicated patron causes injury or property damage — essential for any alcohol-serving restaurant or bar.
Broad premises liability protection covering guest injuries, slip-and-fall incidents, crowd-related harm, and bodily damage claims arising from your day-to-day restaurant or bar operations.
Coverage for your building, kitchen equipment, bar fixtures, furniture, and signage — protecting the physical assets your restaurant or bar depends on to stay open and operational.
Replaces lost revenue and covers ongoing expenses during forced closures caused by covered events — keeping your restaurant or bar financially stable while you rebuild and reopen.
Specialized protection for hosted and catered functions, private events, and large-occupancy gatherings — covering liability exposures that arise when your venue hosts special occasions.
Reimbursement for perishable food and beverage inventory lost due to equipment failure or power outages — preventing a single breakdown from becoming a major financial setback.
Restaurants and bars face liability exposures that standard commercial policies routinely underestimate — from dram shop claims and large-event incidents to kitchen fires and employee theft. Soma's umbrella programs layer excess limits over your existing coverage, ensuring a single catastrophic claim doesn't exceed your policy stack. Through specialty carriers including Markel, Nationwide, and Liberty Mutual — partners with genuine appetite for hospitality risks — we place mixed-use venues, late-night bars, and high-occupancy establishments that mainstream brokers turn away, fast.
See how Soma has protected restaurants, bars, and hospitality venues with fast, comprehensive umbrella coverage.
Soma replaces the traditional broker model with a smarter, faster approach to placing complex hospitality coverage.
We place late-night bars, high-occupancy venues, and establishments with prior claims that standard markets decline.
Direct relationships with Markel, Nationwide, and Liberty Mutual — carriers with deep appetite for hospitality and liquor risks.
One application covers your full umbrella program — no chasing brokers, no weeks of waiting, just fast competitive quotes.
Soma's Risk Management Team analyzes your specific restaurant or bar operations and structures the right coverage at the right price.
Specialists who understand the full complexity of hospitality insurance.
Soma was built to solve a real problem: too many restaurants, bars, and hospitality businesses were being turned away by standard brokers or left with inadequate coverage. We set out to become the fastest and most reliable brokerage for complex, hard-to-insure businesses — partnering with hundreds of specialty carriers to place risks that others won't touch. Our Risk Management Team has processed thousands of businesses across hospitality, trucking, healthcare, construction, and more, taking the time to understand each operation before acting fast to secure compliant, competitive coverage. For restaurant and bar owners, that means umbrella programs that actually match the unique exposures of your business — not generic policies that leave critical gaps.
A commercial umbrella policy provides excess liability coverage above the limits of your underlying policies — such as general liability, liquor liability, and employer's liability. When a claim exceeds your primary policy's limit, the umbrella kicks in to cover the remainder. For restaurants and bars, this is critical given the high-value claims that can arise from patron injuries, dram shop incidents, or large-event liability.
Speak with a Soma hospitality insurance specialist for a no-obligation program review.
Partnered with Markel, Nationwide, Chubb, and Liberty Mutual
Dedicated team with thousands of businesses placed
Insuring risks standard brokers won't touch
Share your operation details and a Soma specialist will analyze your exposures and return a competitive, bindable umbrella program quote — fast, with no obligation.