Hard-to-Place Restaurant & Bar Insurance in New Jersey
Hospitality is one of the toughest classes in the standard market. The same things that make a bar or restaurant successful — alcohol, late hours, a crowd, entertainment — are what make carriers walk away.
The liquor and A&B problem
Selling alcohol creates dram-shop liability: your business can be on the hook for an over-served patron's actions after they leave. Layer on late hours or a dance floor and assault & battery exposure appears, which many standard carriers flatly exclude or decline. These aren't dealbreakers in the specialty market — they're the norm.
When you've already had a claim
A prior liquor claim, a fight, or a slip-and-fall is usually what triggers a non-renewal. Specialty carriers underwrite hospitality claims by hand and will write venues the standard market drops, with assault & battery structured as a sublimit where needed.
Get your venue covered
Kevin Brown Insurance Agency (Kevin Brown, NJ resident producer, License #3003694894) places bars, taverns, nightclubs, and restaurants across NJ — including the hard ones. Call 732-944-1791 or start online.