Bar / Tavern

As a leading program manager in the hospitality business for over 25 years, Axiom's expertise covers numerous risks, from the neighborhood tavern to the gentlemen’s club. We tailor an insurance program to the unique operations, exposures and state requirements of each risk, resulting in a customized insurance program that fits your clients’ needs.

Contact: Dan Djordjevic d_djordjevic@axiom-ins.com or (847) 228-5883, ext. 219

Eligible Exposures	Ineligible Exposures
Adult Entertainment, including clubs and “go-go” dancing Adult bookstores Bars Brew pubs Cabarets Clubs Cognac bars Comedy clubs Convenience stores selling alcoholic beverages Country clubs Dance venues Fraternal organizations Grocery stores selling alcoholic beverages Jazz clubs Liquor stores Martini bars Microbreweries Nightclubs/Lounges Package store Upscale (primarily high valued liquor) bars Upscale gentleman’s clubs Western themed clubs Wholesale distributor Wine bars Wineries	Arenas and Stadium Owners Auditoriums and Fairgrounds College fraternities or sororities Contact sports fields on premises Dancing on bars, speakers or any other raised platforms Interactive amusement devices Allowing pyrotechnics Allowing stunt activities Liquor Manufacturing

Eligible Exposures

Ineligible Exposures

Adult Entertainment, including clubs and “go-go” dancing
Adult bookstores
Bars
Brew pubs
Cabarets
Clubs
Cognac bars
Comedy clubs
Convenience stores selling alcoholic beverages
Country clubs
Dance venues
Fraternal organizations
Grocery stores selling alcoholic beverages
Jazz clubs
Liquor stores
Martini bars
Microbreweries
Nightclubs/Lounges
Package store
Upscale (primarily high valued liquor) bars
Upscale gentleman’s clubs
Western themed clubs
Wholesale distributor
Wine bars
Wineries

Arenas and Stadium Owners
Auditoriums and Fairgrounds
College fraternities or sororities
Contact sports fields on premises
Dancing on bars, speakers or any other raised platforms
Interactive amusement devices
Allowing pyrotechnics
Allowing stunt activities
Liquor Manufacturing

Coverage and Limits Available (Maximum Limits)
General Liability $1,000,000 Each Occurrence $3,000,000 General Aggregate (other than Products/Completed Ops) $3,000,000 Products Completed Operations $1,000,000 Personal and Advertising Injury Excluded Medical Expenses $1,000, 000 Damages to premises rented to you Liquor Liability (Package or Mono-Line) $1,000,000 Each Common Cause $2,000,000 Aggregate (per location aggregate is applicable.) Umbrella / Excess: Limits up to $10 Million

Coverage and Limits Available (Maximum Limits)

General Liability

$1,000,000 Each Occurrence $3,000,000 General Aggregate (other than Products/Completed Ops) $3,000,000 Products Completed Operations $1,000,000 Personal and Advertising Injury Excluded Medical Expenses $1,000, 000 Damages to premises rented to you

Liquor Liability (Package or Mono-Line)

$1,000,000 Each Common Cause $2,000,000 Aggregate (per location aggregate is applicable.)

Umbrella / Excess: Limits up to $10 Million

Optional Coverages Available
Property (subject to Coastal Wind Exclusions) Business Income (subject to Coastal Wind Exclusions) Food and Beverage Spoilage Assault and Battery options: Excluded Silent Sub limit Full A&B up to GL limit Defense outside the Limit of Liability Combined Single Limit Hired and Non-Owned Auto Liability Valet Additional Insureds Equipment Breakdown Employers Practices Liability

Submission Requirements
Signed ACORDs Expiring Term and Prior Three Years Currently Valued Loss Runs Supplemental application either Axiom’s or another carrier’s Target pricing or expiring premium

Miscellaneous
Program is Available in all States including the District of Columbia. Minimum revenue $250,000 Minimum premium – $2,500 Incidental exposures related to the risks above such as habitational, hospitality, gaming, or retail exposures are eligible. Direct Bill & Financing Available A.M. Best A VIII Rated Non -Admitted Carrier