FAQs_ Bar & Restaurant

Bar & Restaurant

Why do you need so much information in order to provide me with a quote?

Insurance companies have different programs for different customers. Getting as much information as possible enables us to determine which carrier is going to be the right fit for your business. Additionally, the more we are able to understand your operation, the better we can tailor your coverage to suit your needs.

Why do you need to know who my prior carrier is?

Primarily because this question is asked by every carrier on all classes of commercial business, not just bar & restaurant. Additionally, unlike most agents, we shop your insurance to every carrier writing bar, restaurant & nightclub business in Texas. Knowing the identity of your current carrier ensures that we don’t approach them seeking a quote for a client that they already write.

What is Liquor Liability?

Coverage that protects the owners of an establishment in which alcoholic beverages are sold against liability arising out of accidents caused by intoxicated customers who have been served or sold the alcoholic beverages. This includes claims away from the owner’s premises such as automobile accidents.

What is Assault & Battery?

Coverage for liability claims arising from bodily injury to a patron or third person caused by a patron or employee. The scope of coverage varies from policy to policy. It may include false arrest or bodily injury caused by security personnel.

Will my policy be audited?

Because your premium is based on an estimated sales amount, the insurance company may elect to conduct an audit. Many times the carrier will send you a “voluntary” audit which is simply a form that you fill out and fax or mail back to the company. Sometimes the carrier will perform a “physical” audit, when an auditor comes to meet with you and review your sales figures.

Will I received a refund if my actual sales fall short of my estimated sales?

Generally, no. That’s why it is important to be conservative in estimating your sales.