Who insures Liquor liability for bars?
Liquor liability for bars is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.
6 markets publicly write Liquor liability for bars: Prime Insurance Company, USLI, Kinsale Insurance, Illinois Casualty Company, Admiral Insurance Group and others. 3 E&S carriers, 2 admitted carriers, 1 wholesaler. 1 through surplus lines.
By Sam Alishahi, independent insurance broker
Who says they write it
From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.
| Market | What they say they write | Where | Paper | Source |
|---|---|---|---|---|
| Prime Insurance Company E&S carrier | Bar and restaurant insurance with liquor liability as a coverage option for bars, taverns, nightclubs and restaurants; E&S business in all 50 states; canceled, denied or claims-history accounts accepted. “We can insure bars and restaurants all across the country.” | all 50 states | Surplus lines | primeis.com · read 2026-10-28 |
| USLI Admitted carrier | Restaurants, cafés, bars and clubs including bars/taverns with up to 100% alcohol receipts; liquor liability as a package or single line; loss or violation history can be considered. “bars/taverns with up to 100% in alcohol receipts!” | not stated | not stated | usli.com · read 2026-10-28 |
| Kinsale Insurance E&S carrier | Liquor liability for restaurants, bars, nightclubs, gentlemen's clubs, liquor stores and convenience stores; bars & lounges, nightclubs and restaurants are hospitality target classes; five-year loss runs required. “Yes, Kinsale offers Liquor Liability insurance in all states except Georgia and Michigan.” | liquor liability in all states except GA and MI | not stated | kinsaleins.com · read 2026-10-28 |
| Illinois Casualty Company Admitted carrier | Specialized tavern and bar program (neighborhood taverns to sports bars) with liquor liability for liability from selling or serving alcoholic beverages, also available standalone. “We're the tavern insurance specialists.” | not stated on this page (home page: admitted carrier in eighteen states, not listed) | not stated | ilcasco.com · read 2026-10-28 |
| Admiral Insurance Group E&S carrier | Liquor liability for bars/taverns, sports bars, restaurants and packaged liquor/grocery stores; nightclubs are an excluded class. “provides liquor liability coverage for a wide range of alcohol-serving and hospitality businesses” | not written in AL, AK, DC, IA, MI, VT and US protectorates (excluded); eligible states not listed | not stated | admiralins.com · read 2026-10-28 |
| Burns & Wilcox Wholesaler | Bar and tavern, nightclub and restaurant specialty with a liquor liability product; placements include a bar & grill with an open claim and a multi-location bar/tavern schedule with adverse loss history. “MULTIPLE LOCATION BAR/TAVERN SCHEDULE IN TEXAS WITH ADVERSE LOSS HISTORY” | not stated (placement cited in TX) | not stated | burnsandwilcox.com · read 2026-10-28 |
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