Liquor Liability
Dram shop coverage protecting your business against third-party claims when an intoxicated patron causes injury or property damage. Essential for any establishment serving alcohol.
Running a bar, restaurant, or winery means navigating unique risks — from dram shop liability to food spoilage and guest injuries. Soma's specialty hospitality insurance programs are purpose-built for alcohol-serving establishments, delivering comprehensive coverage through top-rated carriers like Markel, Nationwide, and Liberty Mutual. Get the right protection, fast, with a single application.
Comprehensive, purpose-built insurance coverage for bars, restaurants, wineries, and alcohol-serving establishments of every kind.
Dram shop coverage protecting your business against third-party claims when an intoxicated patron causes injury or property damage. Essential for any establishment serving alcohol.
End-to-end coverage for restaurants, bars, and event venues — including guest injury, food spoilage, property damage, and event coverage through specialty hospitality carriers.
Premises liability protection covering slip-and-fall incidents, crowd-related injuries, fights, and other bodily harm or property damage claims arising from your operations.
Coverage for your building, kitchen equipment, bar fixtures, glassware, wine inventory, and furnishings against fire, theft, vandalism, and other covered perils.
Replaces lost revenue during forced closures caused by covered property damage, equipment failure, or other disruptions — keeping your business financially stable.
Soma's expert Risk Management Team analyzes your hospitality operation and structures the right coverage at the right price — replacing the guesswork of traditional brokerage.
Bars, restaurants, and wineries face exposures that standard commercial insurers routinely decline — late-night operations, high-occupancy events, dram shop liability, and liquor-related incidents. Soma partners with specialty carriers including Markel, Nationwide, and Liberty Mutual to place coverage others won't. From tasting rooms to nightclubs, we structure programs that address every layer of your risk through a single, fast application.
See how Soma has helped bars, restaurants, and wineries secure the right coverage fast.
Soma is built differently — we specialize in the complex, high-risk businesses that standard brokers turn away.
Direct relationships with Markel, Nationwide, and Liberty Mutual mean we place liquor and hospitality risks that mainstream brokers routinely decline.
Get quotes across multiple top-rated carriers with a single application — no weeks of waiting, no chasing multiple brokers for hospitality coverage.
Our dedicated Risk Management Team understands the layered exposures of bars, wineries, and restaurants and structures coverage that fits your exact operation.
Late-night venues, high-occupancy nightclubs, establishments with prior claims — Soma places the risks others won't, delivering competitive, comprehensive coverage fast.
Experienced insurance specialists dedicated to protecting hospitality businesses.
Soma is a specialty insurance brokerage built for businesses that don't fit the standard mold. Our Risk Management Team has processed thousands of commercial accounts across hospitality, liquor retail, and food service — learning the nuances of every operation from intimate wine bars to large-scale event venues. We've cultivated deep relationships with the carriers who actually want to insure alcohol-serving businesses, allowing us to move fast, price competitively, and deliver coverage programs tailored to the real risks our clients face every day.
Winery insurance costs vary based on property value, annual revenue, tasting room foot traffic, and whether you host events. A small boutique winery might pay $3,000–$8,000 annually, while larger operations with event facilities can exceed $20,000. Key factors include liquor liability limits, property coverage for equipment and wine inventory, and event liability exposure. Soma shops your risk across specialty carriers to secure the most competitive rate available.
Talk to a Soma hospitality insurance specialist for a fast, obligation-free consultation.
Authorized to place coverage through top-rated specialty carriers
Recognized specialists in hard-to-place alcohol and hospitality risks
Committed to trust, transparency, and customer service standards
Complete one application and Soma's Risk Management Team will shop your hospitality risk across specialty carriers — delivering competitive, comprehensive coverage fast. No waiting weeks. No chasing brokers.