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Tokio Marine Specialty will selectively entertain and tailor coverage for establishments within sections of the hospitality industry including the selling, serving, or furnishing of alcoholic beverages.

Target Classes

  • Bars & taverns
  • Beer gardens, microbreweries, & microdistillery
  • Catering halls
  • Comedy clubs
  • Hotels/casinos
  • Restaurants
  • Special events
  • Whiskey bars
  • Wine tasting

Targeted Characteristics include

  • Local establishments
  • Single or multi-location
  • Privately owned or chains
  • Product Liability for brewing exposures or retail sales
  • Restaurant, hotel, theater, and bar exposures
  • Alcohol sales up to 100% of receipts

Unacceptable Classes

  • Nightclubs (may be eligible for monoline property)
  • Gentlemen’s clubs
  • College bars
  • Pyrotechnics

Coverages / Capacity

Commercial General Liability – $1M each occurrence

  • Assault & Battery coverage available up to policy limits for acceptable risks
  • Employee Benefits coverage available
  • Additional Insured – managers or lessors of premises

Liquor Liability – $1M each common cause


  • Commercial property coverage up to $10M per risk
  • Ability to write coastal risks including wind & hail coverage (depending on state and distance to coast)
  • Equipment breakdown including spoilage coverage available as optional coverage
  • Property Enhancement Endorsement available including Money & Securities, Backup of Sewers and Drains, and other additional coverages

Excess Casualty – Up to $25M in limits (Supported and Unsupported)

Financial Security

  • A.M. Best rated A++
  • Standard & Poor’s Assigned A+