Restaurant & Bar Insurance Application

At a minimum, restaurants and bars need General Liability for slip-and-fall incidents and Commercial Property to cover the building and equipment. If you serve alcohol, Liquor Liability (dram shop) insurance is absolutely essential. Depending on your operations, you may also need Workers' Compensation for employees, Commercial Auto for delivery vehicles, and Cyber Liability to protect customer payment data. We help you bundle these into one comprehensive policy.

Liquor liability insurance, or dram shop insurance, protects your business if an intoxicated patron causes property damage or injures someone after being served at your establishment. Many states hold businesses legally responsible for such incidents. This coverage is critical for managing the significant financial and legal risks associated with serving alcohol and is often required to obtain a liquor license. It covers legal fees, settlements, and medical costs.

The cost varies widely based on factors like your location, annual revenue, number of employees, sales volume of alcohol, and your claims history. A small cafe will pay much less than a large nightclub with live entertainment. Our process involves submitting your details to multiple carriers simultaneously to create a competitive environment, ensuring you receive the best possible price for your specific risk profile.

Yes, if you host special events like live music or offer off-site catering, your standard policy may not provide adequate coverage. You may need special event insurance or an endorsement to cover the additional liability risks. It's crucial to discuss these activities with us during your application so we can ensure your policy is structured to protect all aspects of your business operations, both on and off-premises.

Unlike traditional brokers that can take weeks, Soma's process is built for speed. Once you submit our streamlined application, our team gets to work immediately. For many hospitality businesses, we can provide multiple competitive quotes within 24-48 hours. Our goal is to get you the coverage you need without the long wait, so you can secure your policy and focus on running your business.

If you need to file a claim, you should contact the carrier listed on your policy documents directly. Their claims department is equipped to handle the process efficiently. We are here to assist and advocate for you if any issues arise. Our team can help you understand your coverage and guide you on the necessary steps to ensure your claim is processed as smoothly as possible.

Absolutely. We specialize in helping new ventures in the hospitality industry get the foundational coverage they need to open and operate legally and safely. We understand that new businesses don't have an insurance history, and our broad network of carriers includes many that are eager to work with new restaurants and bars. We will help you secure a comprehensive policy right from the start.

Your policy can be structured to cover these risks. Workers' Compensation insurance is a separate policy that covers employee injuries sustained on the job and is required in most states. To protect against employee dishonesty, you would need Commercial Crime or Employee Theft coverage. We can easily include these essential protections in your overall insurance package to safeguard your business from internal and external risks.