Liquor Liability
Dram shop coverage protecting your restaurant or bar against third-party claims when an intoxicated guest causes injury or property damage. Soma places liquor liability even for high-risk or hard-to-insure establishments.
Running a restaurant means managing risks most diners never see — from a refrigeration failure wiping out thousands in inventory to a liquor liability claim from an over-served guest. Soma specializes in placing comprehensive restaurant insurance, including liquor liability and food spoilage coverage, tailored to the real-world exposures of food and beverage operations. Get the right coverage, fast.
Comprehensive coverage for every layer of risk facing restaurants, bars, and food-service businesses — from liquor liability to spoilage.
Dram shop coverage protecting your restaurant or bar against third-party claims when an intoxicated guest causes injury or property damage. Soma places liquor liability even for high-risk or hard-to-insure establishments.
Reimbursement for perishable inventory lost due to equipment failure, power outages, or refrigeration breakdowns — protecting you from the significant financial impact of spoiled food stock.
Covers bodily injury and property damage claims arising from on-premises incidents, including customer slip-and-fall accidents, kitchen accidents affecting third parties, and common restaurant liability exposures.
Protects your building, kitchen equipment, furnishings, and fixtures against fire, theft, vandalism, and other covered perils — keeping your restaurant operational after unexpected damage.
Replaces lost revenue and covers ongoing expenses when your restaurant is forced to close due to a covered event, such as a fire, equipment failure, or other insured property loss.
Purpose-built protection for hosted and catered functions, private dining events, and special occasions — covering guest injury, property damage, and liquor-related incidents unique to event settings.
Restaurants face a uniquely layered risk environment — perishable inventory worth thousands, alcohol service exposing you to dram shop liability, high customer foot traffic, and equipment that can fail without warning. Soma's restaurant insurance programs are designed around these realities, not generic business policies. Through specialty carriers like Markel, Nationwide, and Liberty Mutual, we place comprehensive liquor liability and food spoilage coverage for restaurants, bars, and hospitality businesses that standard brokers routinely turn away — delivered through a single, fast application.
See how Soma has helped food and beverage businesses secure the right coverage — fast and at the right price.
Soma combines specialty market access, deep hospitality expertise, and a seamless experience to get your restaurant covered right — without the wait.
We place restaurant and liquor liability coverage through Markel, Nationwide, and Liberty Mutual — carriers with real appetite for hospitality risks that standard brokers decline.
Get quotes for liquor liability, food spoilage, property, and more with a single application — no chasing multiple brokers or waiting weeks for responses.
From late-night bars to high-volume event venues with prior claims history, Soma specializes in placing restaurant coverage that others won't touch.
Our Risk Management Team analyzes your restaurant's specific exposures and binds competitive, right-priced coverage quickly — so you're not left operating unprotected.
Specialists who understand the hospitality industry inside and out.
Soma is built differently from a traditional insurance brokerage. Our Risk Management Team has processed thousands of businesses across every industry — including restaurants, bars, and hospitality operators — and brings deep knowledge of the unique exposures facing food and beverage businesses. We've developed specialty relationships with carriers like Markel, Nationwide, and Liberty Mutual specifically because standard markets routinely decline hospitality risks. Whether you operate a neighborhood bistro, a high-volume event venue, or a late-night bar, Soma's specialists take the time to understand your operation, structure the right coverage for your actual risk profile, and deliver it fast — at the right price. Our tagline isn't just a slogan: Business Insurance, Complete. Fast. Affordable.
Food spoilage coverage reimburses restaurants and food-service businesses for the cost of perishable inventory that is lost due to a covered event — most commonly a refrigeration or freezer equipment breakdown, a power outage, or a mechanical failure. For a busy restaurant, a single overnight equipment failure can result in thousands of dollars of lost inventory. This coverage ensures that financial loss doesn't fall entirely on the business owner.
Talk to a Soma specialist for a free consultation and fast, tailored quote for your restaurant.
Authorized to place specialty hospitality and liquor liability risks through Markel
Appointed to write restaurant and hospitality programs through Nationwide
Authorized broker for Liberty Mutual commercial hospitality coverage placement
Complete one simple application and a Soma specialist will analyze your restaurant's specific exposures — liquor liability, food spoilage, property, and more — to deliver competitive, right-priced coverage without the wait.